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$72,847
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,113
−HK$2,302/mo
Today · 4.125%
HK$77,415
baseline
▲ 0.50% · 4.625%
HK$82,125
+HK$4,710/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,830/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,041
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,215
−HK$2,205/mo
Today · 4.125%
HK$85,420
baseline
▲ 0.50% · 4.625%
HK$89,922
+HK$4,502/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,840/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,416
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$90,135
−HK$2,763/mo
Today · 4.125%
HK$92,898
baseline
▲ 0.50% · 4.625%
HK$98,550
+HK$5,652/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$185,796/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,249
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,858
−HK$2,645/mo
Today · 4.125%
HK$102,503
baseline
▲ 0.50% · 4.625%
HK$107,907
+HK$5,404/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$205,006/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,985
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$105,158
−HK$3,223/mo
Today · 4.125%
HK$108,381
baseline
▲ 0.50% · 4.625%
HK$114,975
+HK$6,594/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$216,762/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,458
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$116,500
−HK$3,087/mo
Today · 4.125%
HK$119,587
baseline
▲ 0.50% · 4.625%
HK$125,891
+HK$6,304/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$239,174/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,124
−HK$8,223/mo
▼ 0.25% · 3.875%
HK$135,203
−HK$4,144/mo
Today · 4.125%
HK$139,347
baseline
▲ 0.50% · 4.625%
HK$147,825
+HK$8,478/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$278,694/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,874
−HK$7,881/mo
▼ 0.25% · 3.875%
HK$149,786
−HK$3,969/mo
Today · 4.125%
HK$153,755
baseline
▲ 0.50% · 4.625%
HK$161,860
+HK$8,105/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$307,510/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,735 · Scale 2, in force from 26 Feb 2026)