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$71,963
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,201
−HK$2,274/mo
Today · 4.125%
HK$76,475
baseline
▲ 0.50% · 4.625%
HK$81,129
+HK$4,654/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$152,950/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,341,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,058
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,205
−HK$2,178/mo
Today · 4.125%
HK$84,383
baseline
▲ 0.50% · 4.625%
HK$88,831
+HK$4,448/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$168,766/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,341,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,355
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$89,041
−HK$2,729/mo
Today · 4.125%
HK$91,770
baseline
▲ 0.50% · 4.625%
HK$97,354
+HK$5,584/mo
Deposit HK$12.62M · loan HK$18.94M · min. income ≈ HK$183,540/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,341,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,069
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$98,646
−HK$2,614/mo
Today · 4.125%
HK$101,260
baseline
▲ 0.50% · 4.625%
HK$106,597
+HK$5,337/mo
Deposit HK$12.62M · loan HK$18.94M · min. income ≈ HK$202,520/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,341,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,748
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$103,881
−HK$3,184/mo
Today · 4.125%
HK$107,065
baseline
▲ 0.50% · 4.625%
HK$113,580
+HK$6,515/mo
Deposit HK$9.47M · loan HK$22.09M · min. income ≈ HK$214,130/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,081
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,087
−HK$3,049/mo
Today · 4.125%
HK$118,136
baseline
▲ 0.50% · 4.625%
HK$124,363
+HK$6,227/mo
Deposit HK$9.47M · loan HK$22.09M · min. income ≈ HK$236,272/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,533
−HK$8,123/mo
▼ 0.25% · 3.875%
HK$133,562
−HK$4,094/mo
Today · 4.125%
HK$137,656
baseline
▲ 0.50% · 4.625%
HK$146,032
+HK$8,376/mo
Deposit HK$3.16M · loan HK$28.40M · min. income ≈ HK$275,312/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,104
−HK$7,785/mo
▼ 0.25% · 3.875%
HK$147,969
−HK$3,920/mo
Today · 4.125%
HK$151,889
baseline
▲ 0.50% · 4.625%
HK$159,896
+HK$8,007/mo
Deposit HK$3.16M · loan HK$28.40M · min. income ≈ HK$303,778/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,258 · Scale 2, in force from 26 Feb 2026)