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$72,626
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,886
−HK$2,295/mo
Today · 4.125%
HK$77,181
baseline
▲ 0.50% · 4.625%
HK$81,877
+HK$4,696/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$154,362/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,796
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,963
−HK$2,198/mo
Today · 4.125%
HK$85,161
baseline
▲ 0.50% · 4.625%
HK$89,650
+HK$4,489/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$170,322/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,152
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,863
−HK$2,754/mo
Today · 4.125%
HK$92,617
baseline
▲ 0.50% · 4.625%
HK$98,252
+HK$5,635/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$185,234/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,955
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,556
−HK$2,638/mo
Today · 4.125%
HK$102,194
baseline
▲ 0.50% · 4.625%
HK$107,580
+HK$5,386/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$204,388/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,677
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$104,840
−HK$3,213/mo
Today · 4.125%
HK$108,053
baseline
▲ 0.50% · 4.625%
HK$114,628
+HK$6,575/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$216,106/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,115
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$116,148
−HK$3,078/mo
Today · 4.125%
HK$119,226
baseline
▲ 0.50% · 4.625%
HK$125,511
+HK$6,285/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$238,452/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,728
−HK$8,197/mo
▼ 0.25% · 3.875%
HK$134,794
−HK$4,131/mo
Today · 4.125%
HK$138,925
baseline
▲ 0.50% · 4.625%
HK$147,379
+HK$8,454/mo
Deposit HK$3.19M · loan HK$28.67M · min. income ≈ HK$277,850/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,433
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$149,334
−HK$3,957/mo
Today · 4.125%
HK$153,291
baseline
▲ 0.50% · 4.625%
HK$161,371
+HK$8,080/mo
Deposit HK$3.19M · loan HK$28.67M · min. income ≈ HK$306,582/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,632 · Scale 2, in force from 26 Feb 2026)