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$72,066
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$74,308
−HK$2,278/mo
Today · 4.125%
HK$76,586
baseline
▲ 0.50% · 4.625%
HK$81,246
+HK$4,660/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$153,172/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,173
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,323
−HK$2,182/mo
Today · 4.125%
HK$84,505
baseline
▲ 0.50% · 4.625%
HK$88,959
+HK$4,454/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$169,010/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,480
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$89,170
−HK$2,733/mo
Today · 4.125%
HK$91,903
baseline
▲ 0.50% · 4.625%
HK$97,495
+HK$5,592/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$183,806/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,208
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$98,788
−HK$2,618/mo
Today · 4.125%
HK$101,406
baseline
▲ 0.50% · 4.625%
HK$106,751
+HK$5,345/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$202,812/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,893
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$104,031
−HK$3,189/mo
Today · 4.125%
HK$107,220
baseline
▲ 0.50% · 4.625%
HK$113,744
+HK$6,524/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$214,440/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,343,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,242
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$115,253
−HK$3,054/mo
Today · 4.125%
HK$118,307
baseline
▲ 0.50% · 4.625%
HK$124,543
+HK$6,236/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$236,614/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,343,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,720
−HK$8,134/mo
▼ 0.25% · 3.875%
HK$133,755
−HK$4,099/mo
Today · 4.125%
HK$137,854
baseline
▲ 0.50% · 4.625%
HK$146,242
+HK$8,388/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$275,708/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,343,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,312
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$148,182
−HK$3,926/mo
Today · 4.125%
HK$152,108
baseline
▲ 0.50% · 4.625%
HK$160,126
+HK$8,018/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$304,216/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,343,193 · Scale 2, in force from 26 Feb 2026)