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$72,197
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,443
−HK$2,282/mo
Today · 4.125%
HK$76,725
baseline
▲ 0.50% · 4.625%
HK$81,393
+HK$4,668/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$153,450/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,345,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,319
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,473
−HK$2,185/mo
Today · 4.125%
HK$84,658
baseline
▲ 0.50% · 4.625%
HK$89,120
+HK$4,462/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$169,316/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,345,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,637
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$89,332
−HK$2,738/mo
Today · 4.125%
HK$92,070
baseline
▲ 0.50% · 4.625%
HK$97,672
+HK$5,602/mo
Deposit HK$12.66M · loan HK$19.00M · min. income ≈ HK$184,140/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,382
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$98,967
−HK$2,623/mo
Today · 4.125%
HK$101,590
baseline
▲ 0.50% · 4.625%
HK$106,945
+HK$5,355/mo
Deposit HK$12.66M · loan HK$19.00M · min. income ≈ HK$203,180/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,076
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$104,220
−HK$3,194/mo
Today · 4.125%
HK$107,414
baseline
▲ 0.50% · 4.625%
HK$113,950
+HK$6,536/mo
Deposit HK$9.50M · loan HK$22.16M · min. income ≈ HK$214,828/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,345,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,446
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$115,462
−HK$3,059/mo
Today · 4.125%
HK$118,521
baseline
▲ 0.50% · 4.625%
HK$124,769
+HK$6,248/mo
Deposit HK$9.50M · loan HK$22.16M · min. income ≈ HK$237,042/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,345,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,955
−HK$8,149/mo
▼ 0.25% · 3.875%
HK$133,997
−HK$4,107/mo
Today · 4.125%
HK$138,104
baseline
▲ 0.50% · 4.625%
HK$146,508
+HK$8,404/mo
Deposit HK$3.17M · loan HK$28.50M · min. income ≈ HK$276,208/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,574
−HK$7,811/mo
▼ 0.25% · 3.875%
HK$148,451
−HK$3,934/mo
Today · 4.125%
HK$152,385
baseline
▲ 0.50% · 4.625%
HK$160,417
+HK$8,032/mo
Deposit HK$3.17M · loan HK$28.50M · min. income ≈ HK$304,770/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,631 · Scale 2, in force from 26 Feb 2026)