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$71,699
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,930
−HK$2,266/mo
Today · 4.125%
HK$76,196
baseline
▲ 0.50% · 4.625%
HK$80,832
+HK$4,636/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$152,392/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,765
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,904
−HK$2,170/mo
Today · 4.125%
HK$84,074
baseline
▲ 0.50% · 4.625%
HK$88,506
+HK$4,432/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$168,148/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,039
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,716
−HK$2,719/mo
Today · 4.125%
HK$91,435
baseline
▲ 0.50% · 4.625%
HK$96,998
+HK$5,563/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$182,870/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,336,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,718
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,285
−HK$2,604/mo
Today · 4.125%
HK$100,889
baseline
▲ 0.50% · 4.625%
HK$106,207
+HK$5,318/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$201,778/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,336,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,379
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$103,502
−HK$3,172/mo
Today · 4.125%
HK$106,674
baseline
▲ 0.50% · 4.625%
HK$113,165
+HK$6,491/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$213,348/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,671
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$114,666
−HK$3,038/mo
Today · 4.125%
HK$117,704
baseline
▲ 0.50% · 4.625%
HK$123,908
+HK$6,204/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$235,408/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,059
−HK$8,093/mo
▼ 0.25% · 3.875%
HK$133,073
−HK$4,079/mo
Today · 4.125%
HK$137,152
baseline
▲ 0.50% · 4.625%
HK$145,497
+HK$8,345/mo
Deposit HK$3.14M · loan HK$28.30M · min. income ≈ HK$274,304/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,577
−HK$7,757/mo
▼ 0.25% · 3.875%
HK$147,427
−HK$3,907/mo
Today · 4.125%
HK$151,334
baseline
▲ 0.50% · 4.625%
HK$159,311
+HK$7,977/mo
Deposit HK$3.14M · loan HK$28.30M · min. income ≈ HK$302,668/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,352 · Scale 2, in force from 26 Feb 2026)