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$72,736
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,999
−HK$2,298/mo
Today · 4.125%
HK$77,297
baseline
▲ 0.50% · 4.625%
HK$82,001
+HK$4,704/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$154,594/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,918
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,089
−HK$2,201/mo
Today · 4.125%
HK$85,290
baseline
▲ 0.50% · 4.625%
HK$89,786
+HK$4,496/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$170,580/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,283
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$89,999
−HK$2,758/mo
Today · 4.125%
HK$92,757
baseline
▲ 0.50% · 4.625%
HK$98,401
+HK$5,644/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$185,514/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,102
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$99,706
−HK$2,642/mo
Today · 4.125%
HK$102,348
baseline
▲ 0.50% · 4.625%
HK$107,743
+HK$5,395/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$204,696/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,831
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,998
−HK$3,218/mo
Today · 4.125%
HK$108,216
baseline
▲ 0.50% · 4.625%
HK$114,801
+HK$6,585/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$216,432/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,355,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,286
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$116,324
−HK$3,082/mo
Today · 4.125%
HK$119,406
baseline
▲ 0.50% · 4.625%
HK$125,700
+HK$6,294/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$238,812/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,355,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,925
−HK$8,210/mo
▼ 0.25% · 3.875%
HK$134,998
−HK$4,137/mo
Today · 4.125%
HK$139,135
baseline
▲ 0.50% · 4.625%
HK$147,601
+HK$8,466/mo
Deposit HK$3.19M · loan HK$28.71M · min. income ≈ HK$278,270/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,355,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,653
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$149,559
−HK$3,963/mo
Today · 4.125%
HK$153,522
baseline
▲ 0.50% · 4.625%
HK$161,615
+HK$8,093/mo
Deposit HK$3.19M · loan HK$28.71M · min. income ≈ HK$307,044/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,355,677 · Scale 2, in force from 26 Feb 2026)