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$71,993
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,232
−HK$2,275/mo
Today · 4.125%
HK$76,507
baseline
▲ 0.50% · 4.625%
HK$81,162
+HK$4,655/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$153,014/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,341,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,091
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,239
−HK$2,179/mo
Today · 4.125%
HK$84,418
baseline
▲ 0.50% · 4.625%
HK$88,868
+HK$4,450/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$168,836/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,341,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,391
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,078
−HK$2,731/mo
Today · 4.125%
HK$91,809
baseline
▲ 0.50% · 4.625%
HK$97,395
+HK$5,586/mo
Deposit HK$12.63M · loan HK$18.94M · min. income ≈ HK$183,618/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,109
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,687
−HK$2,615/mo
Today · 4.125%
HK$101,302
baseline
▲ 0.50% · 4.625%
HK$106,641
+HK$5,339/mo
Deposit HK$12.63M · loan HK$18.94M · min. income ≈ HK$202,604/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,790
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,925
−HK$3,185/mo
Today · 4.125%
HK$107,110
baseline
▲ 0.50% · 4.625%
HK$113,627
+HK$6,517/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$214,220/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,127
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$115,135
−HK$3,050/mo
Today · 4.125%
HK$118,185
baseline
▲ 0.50% · 4.625%
HK$124,415
+HK$6,230/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$236,370/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,587
−HK$8,126/mo
▼ 0.25% · 3.875%
HK$133,617
−HK$4,096/mo
Today · 4.125%
HK$137,713
baseline
▲ 0.50% · 4.625%
HK$146,092
+HK$8,379/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$275,426/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,164
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$148,030
−HK$3,922/mo
Today · 4.125%
HK$151,952
baseline
▲ 0.50% · 4.625%
HK$159,962
+HK$8,010/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$303,904/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,816 · Scale 2, in force from 26 Feb 2026)