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$72,326
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,575
−HK$2,286/mo
Today · 4.125%
HK$76,861
baseline
▲ 0.50% · 4.625%
HK$81,538
+HK$4,677/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$153,722/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,348,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,462
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,620
−HK$2,189/mo
Today · 4.125%
HK$84,809
baseline
▲ 0.50% · 4.625%
HK$89,279
+HK$4,470/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$169,618/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,348,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,791
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$89,491
−HK$2,742/mo
Today · 4.125%
HK$92,233
baseline
▲ 0.50% · 4.625%
HK$97,846
+HK$5,613/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$184,466/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,554
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$99,143
−HK$2,627/mo
Today · 4.125%
HK$101,770
baseline
▲ 0.50% · 4.625%
HK$107,135
+HK$5,365/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$203,540/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,256
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$104,406
−HK$3,200/mo
Today · 4.125%
HK$107,606
baseline
▲ 0.50% · 4.625%
HK$114,153
+HK$6,547/mo
Deposit HK$9.52M · loan HK$22.20M · min. income ≈ HK$215,212/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,348,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,646
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$115,667
−HK$3,065/mo
Today · 4.125%
HK$118,732
baseline
▲ 0.50% · 4.625%
HK$124,991
+HK$6,259/mo
Deposit HK$9.52M · loan HK$22.20M · min. income ≈ HK$237,464/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,348,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,186
−HK$8,164/mo
▼ 0.25% · 3.875%
HK$134,236
−HK$4,114/mo
Today · 4.125%
HK$138,350
baseline
▲ 0.50% · 4.625%
HK$146,768
+HK$8,418/mo
Deposit HK$3.17M · loan HK$28.55M · min. income ≈ HK$276,700/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,831
−HK$7,825/mo
▼ 0.25% · 3.875%
HK$148,715
−HK$3,941/mo
Today · 4.125%
HK$152,656
baseline
▲ 0.50% · 4.625%
HK$160,702
+HK$8,046/mo
Deposit HK$3.17M · loan HK$28.55M · min. income ≈ HK$305,312/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,025 · Scale 2, in force from 26 Feb 2026)