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$72,597
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,855
−HK$2,295/mo
Today · 4.125%
HK$77,150
baseline
▲ 0.50% · 4.625%
HK$81,844
+HK$4,694/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$154,300/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,353,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,764
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,930
−HK$2,197/mo
Today · 4.125%
HK$85,127
baseline
▲ 0.50% · 4.625%
HK$89,614
+HK$4,487/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$170,254/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,353,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,116
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,826
−HK$2,753/mo
Today · 4.125%
HK$92,579
baseline
▲ 0.50% · 4.625%
HK$98,213
+HK$5,634/mo
Deposit HK$12.73M · loan HK$19.10M · min. income ≈ HK$185,158/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,916
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$99,515
−HK$2,637/mo
Today · 4.125%
HK$102,152
baseline
▲ 0.50% · 4.625%
HK$107,537
+HK$5,385/mo
Deposit HK$12.73M · loan HK$19.10M · min. income ≈ HK$204,304/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,636
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$104,797
−HK$3,212/mo
Today · 4.125%
HK$108,009
baseline
▲ 0.50% · 4.625%
HK$114,581
+HK$6,572/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$216,018/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,353,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,069
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$116,101
−HK$3,077/mo
Today · 4.125%
HK$119,178
baseline
▲ 0.50% · 4.625%
HK$125,460
+HK$6,282/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$238,356/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,353,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,675
−HK$8,194/mo
▼ 0.25% · 3.875%
HK$134,739
−HK$4,130/mo
Today · 4.125%
HK$138,869
baseline
▲ 0.50% · 4.625%
HK$147,319
+HK$8,450/mo
Deposit HK$3.18M · loan HK$28.65M · min. income ≈ HK$277,738/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,374
−HK$7,854/mo
▼ 0.25% · 3.875%
HK$149,273
−HK$3,955/mo
Today · 4.125%
HK$153,228
baseline
▲ 0.50% · 4.625%
HK$161,305
+HK$8,077/mo
Deposit HK$3.18M · loan HK$28.65M · min. income ≈ HK$306,456/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,083 · Scale 2, in force from 26 Feb 2026)