The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$72,550
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,807
−HK$2,293/mo
Today · 4.125%
HK$77,100
baseline
▲ 0.50% · 4.625%
HK$81,791
+HK$4,691/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$154,200/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,711
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,876
−HK$2,196/mo
Today · 4.125%
HK$85,072
baseline
▲ 0.50% · 4.625%
HK$89,556
+HK$4,484/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$170,144/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,060
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$89,768
−HK$2,752/mo
Today · 4.125%
HK$92,520
baseline
▲ 0.50% · 4.625%
HK$98,149
+HK$5,629/mo
Deposit HK$12.73M · loan HK$19.09M · min. income ≈ HK$185,040/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,854
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,451
−HK$2,635/mo
Today · 4.125%
HK$102,086
baseline
▲ 0.50% · 4.625%
HK$107,467
+HK$5,381/mo
Deposit HK$12.73M · loan HK$19.09M · min. income ≈ HK$204,172/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,570
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$104,730
−HK$3,210/mo
Today · 4.125%
HK$107,940
baseline
▲ 0.50% · 4.625%
HK$114,508
+HK$6,568/mo
Deposit HK$9.55M · loan HK$22.27M · min. income ≈ HK$215,880/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,996
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$116,026
−HK$3,075/mo
Today · 4.125%
HK$119,101
baseline
▲ 0.50% · 4.625%
HK$125,379
+HK$6,278/mo
Deposit HK$9.55M · loan HK$22.27M · min. income ≈ HK$238,202/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,590
−HK$8,190/mo
▼ 0.25% · 3.875%
HK$134,653
−HK$4,127/mo
Today · 4.125%
HK$138,780
baseline
▲ 0.50% · 4.625%
HK$147,224
+HK$8,444/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$277,560/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,281
−HK$7,849/mo
▼ 0.25% · 3.875%
HK$149,177
−HK$3,953/mo
Today · 4.125%
HK$153,130
baseline
▲ 0.50% · 4.625%
HK$161,201
+HK$8,071/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$306,260/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,210 · Scale 2, in force from 26 Feb 2026)