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$72,862
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,129
−HK$2,302/mo
Today · 4.125%
HK$77,431
baseline
▲ 0.50% · 4.625%
HK$82,143
+HK$4,712/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$154,862/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,358,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,059
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,233
−HK$2,205/mo
Today · 4.125%
HK$85,438
baseline
▲ 0.50% · 4.625%
HK$89,942
+HK$4,504/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$170,876/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,358,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,435
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$90,155
−HK$2,763/mo
Today · 4.125%
HK$92,918
baseline
▲ 0.50% · 4.625%
HK$98,572
+HK$5,654/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$185,836/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,358,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,270
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$99,879
−HK$2,647/mo
Today · 4.125%
HK$102,526
baseline
▲ 0.50% · 4.625%
HK$107,930
+HK$5,404/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$205,052/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,358,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,007
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$105,180
−HK$3,224/mo
Today · 4.125%
HK$108,404
baseline
▲ 0.50% · 4.625%
HK$115,000
+HK$6,596/mo
Deposit HK$9.59M · loan HK$22.37M · min. income ≈ HK$216,808/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,358,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,482
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$116,526
−HK$3,087/mo
Today · 4.125%
HK$119,613
baseline
▲ 0.50% · 4.625%
HK$125,918
+HK$6,305/mo
Deposit HK$9.59M · loan HK$22.37M · min. income ≈ HK$239,226/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,358,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,152
−HK$8,225/mo
▼ 0.25% · 3.875%
HK$135,232
−HK$4,145/mo
Today · 4.125%
HK$139,377
baseline
▲ 0.50% · 4.625%
HK$147,857
+HK$8,480/mo
Deposit HK$3.20M · loan HK$28.76M · min. income ≈ HK$278,754/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,358,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,906
−HK$7,882/mo
▼ 0.25% · 3.875%
HK$149,819
−HK$3,969/mo
Today · 4.125%
HK$153,788
baseline
▲ 0.50% · 4.625%
HK$161,895
+HK$8,107/mo
Deposit HK$3.20M · loan HK$28.76M · min. income ≈ HK$307,576/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,358,027 · Scale 2, in force from 26 Feb 2026)