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$72,561
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,818
−HK$2,293/mo
Today · 4.125%
HK$77,111
baseline
▲ 0.50% · 4.625%
HK$81,803
+HK$4,692/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$154,222/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,723
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,888
−HK$2,196/mo
Today · 4.125%
HK$85,084
baseline
▲ 0.50% · 4.625%
HK$89,569
+HK$4,485/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$170,168/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,073
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$89,781
−HK$2,752/mo
Today · 4.125%
HK$92,533
baseline
▲ 0.50% · 4.625%
HK$98,163
+HK$5,630/mo
Deposit HK$12.73M · loan HK$19.09M · min. income ≈ HK$185,066/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,867
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,465
−HK$2,636/mo
Today · 4.125%
HK$102,101
baseline
▲ 0.50% · 4.625%
HK$107,483
+HK$5,382/mo
Deposit HK$12.73M · loan HK$19.09M · min. income ≈ HK$204,202/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,585
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$104,745
−HK$3,210/mo
Today · 4.125%
HK$107,955
baseline
▲ 0.50% · 4.625%
HK$114,524
+HK$6,569/mo
Deposit HK$9.55M · loan HK$22.27M · min. income ≈ HK$215,910/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,012
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$116,043
−HK$3,075/mo
Today · 4.125%
HK$119,118
baseline
▲ 0.50% · 4.625%
HK$125,397
+HK$6,279/mo
Deposit HK$9.55M · loan HK$22.27M · min. income ≈ HK$238,236/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,609
−HK$8,190/mo
▼ 0.25% · 3.875%
HK$134,672
−HK$4,127/mo
Today · 4.125%
HK$138,799
baseline
▲ 0.50% · 4.625%
HK$147,245
+HK$8,446/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$277,598/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,301
−HK$7,850/mo
▼ 0.25% · 3.875%
HK$149,198
−HK$3,953/mo
Today · 4.125%
HK$153,151
baseline
▲ 0.50% · 4.625%
HK$161,224
+HK$8,073/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$306,302/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,403 · Scale 2, in force from 26 Feb 2026)