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$72,000
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,240
−HK$2,275/mo
Today · 4.125%
HK$76,515
baseline
▲ 0.50% · 4.625%
HK$81,171
+HK$4,656/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$153,030/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,341,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,099
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,247
−HK$2,180/mo
Today · 4.125%
HK$84,427
baseline
▲ 0.50% · 4.625%
HK$88,877
+HK$4,450/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$168,854/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,341,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,400
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,087
−HK$2,731/mo
Today · 4.125%
HK$91,818
baseline
▲ 0.50% · 4.625%
HK$97,405
+HK$5,587/mo
Deposit HK$12.63M · loan HK$18.95M · min. income ≈ HK$183,636/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,119
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,697
−HK$2,615/mo
Today · 4.125%
HK$101,312
baseline
▲ 0.50% · 4.625%
HK$106,652
+HK$5,340/mo
Deposit HK$12.63M · loan HK$18.95M · min. income ≈ HK$202,624/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,800
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$103,935
−HK$3,186/mo
Today · 4.125%
HK$107,121
baseline
▲ 0.50% · 4.625%
HK$113,639
+HK$6,518/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$214,242/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,139
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$115,146
−HK$3,051/mo
Today · 4.125%
HK$118,197
baseline
▲ 0.50% · 4.625%
HK$124,428
+HK$6,231/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$236,394/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,600
−HK$8,127/mo
▼ 0.25% · 3.875%
HK$133,631
−HK$4,096/mo
Today · 4.125%
HK$137,727
baseline
▲ 0.50% · 4.625%
HK$146,107
+HK$8,380/mo
Deposit HK$3.16M · loan HK$28.42M · min. income ≈ HK$275,454/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,179
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$148,045
−HK$3,923/mo
Today · 4.125%
HK$151,968
baseline
▲ 0.50% · 4.625%
HK$159,979
+HK$8,011/mo
Deposit HK$3.16M · loan HK$28.42M · min. income ≈ HK$303,936/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,953 · Scale 2, in force from 26 Feb 2026)