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$72,063
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,305
−HK$2,277/mo
Today · 4.125%
HK$76,582
baseline
▲ 0.50% · 4.625%
HK$81,242
+HK$4,660/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$153,164/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,343,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,170
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,320
−HK$2,181/mo
Today · 4.125%
HK$84,501
baseline
▲ 0.50% · 4.625%
HK$88,955
+HK$4,454/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$169,002/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,343,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,476
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$89,166
−HK$2,733/mo
Today · 4.125%
HK$91,899
baseline
▲ 0.50% · 4.625%
HK$97,491
+HK$5,592/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$183,798/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,343,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,204
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$98,784
−HK$2,617/mo
Today · 4.125%
HK$101,401
baseline
▲ 0.50% · 4.625%
HK$106,746
+HK$5,345/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$202,802/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,343,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,889
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$104,027
−HK$3,188/mo
Today · 4.125%
HK$107,215
baseline
▲ 0.50% · 4.625%
HK$113,739
+HK$6,524/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$214,430/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,343,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,238
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$115,248
−HK$3,053/mo
Today · 4.125%
HK$118,301
baseline
▲ 0.50% · 4.625%
HK$124,537
+HK$6,236/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$236,602/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,343,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,714
−HK$8,134/mo
▼ 0.25% · 3.875%
HK$133,749
−HK$4,099/mo
Today · 4.125%
HK$137,848
baseline
▲ 0.50% · 4.625%
HK$146,236
+HK$8,388/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$275,696/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,343,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,305
−HK$7,797/mo
▼ 0.25% · 3.875%
HK$148,176
−HK$3,926/mo
Today · 4.125%
HK$152,102
baseline
▲ 0.50% · 4.625%
HK$160,119
+HK$8,017/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$304,204/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,343,135 · Scale 2, in force from 26 Feb 2026)