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$72,359
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,610
−HK$2,287/mo
Today · 4.125%
HK$76,897
baseline
▲ 0.50% · 4.625%
HK$81,576
+HK$4,679/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$153,794/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,348,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,499
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,658
−HK$2,190/mo
Today · 4.125%
HK$84,848
baseline
▲ 0.50% · 4.625%
HK$89,320
+HK$4,472/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$169,696/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,348,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,831
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,532
−HK$2,744/mo
Today · 4.125%
HK$92,276
baseline
▲ 0.50% · 4.625%
HK$97,891
+HK$5,615/mo
Deposit HK$12.69M · loan HK$19.04M · min. income ≈ HK$184,552/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,599
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$99,189
−HK$2,629/mo
Today · 4.125%
HK$101,818
baseline
▲ 0.50% · 4.625%
HK$107,185
+HK$5,367/mo
Deposit HK$12.69M · loan HK$19.04M · min. income ≈ HK$203,636/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,303
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$104,454
−HK$3,201/mo
Today · 4.125%
HK$107,655
baseline
▲ 0.50% · 4.625%
HK$114,206
+HK$6,551/mo
Deposit HK$9.52M · loan HK$22.21M · min. income ≈ HK$215,310/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,348,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,698
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$115,721
−HK$3,066/mo
Today · 4.125%
HK$118,787
baseline
▲ 0.50% · 4.625%
HK$125,049
+HK$6,262/mo
Deposit HK$9.52M · loan HK$22.21M · min. income ≈ HK$237,574/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,348,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,247
−HK$8,167/mo
▼ 0.25% · 3.875%
HK$134,298
−HK$4,116/mo
Today · 4.125%
HK$138,414
baseline
▲ 0.50% · 4.625%
HK$146,836
+HK$8,422/mo
Deposit HK$3.17M · loan HK$28.56M · min. income ≈ HK$276,828/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,898
−HK$7,828/mo
▼ 0.25% · 3.875%
HK$148,784
−HK$3,942/mo
Today · 4.125%
HK$152,726
baseline
▲ 0.50% · 4.625%
HK$160,777
+HK$8,051/mo
Deposit HK$3.17M · loan HK$28.56M · min. income ≈ HK$305,452/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,650 · Scale 2, in force from 26 Feb 2026)