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$72,256
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,503
−HK$2,284/mo
Today · 4.125%
HK$76,787
baseline
▲ 0.50% · 4.625%
HK$81,459
+HK$4,672/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$153,574/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,346,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,384
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,540
−HK$2,187/mo
Today · 4.125%
HK$84,727
baseline
▲ 0.50% · 4.625%
HK$89,193
+HK$4,466/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$169,454/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,346,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,707
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$89,404
−HK$2,740/mo
Today · 4.125%
HK$92,144
baseline
▲ 0.50% · 4.625%
HK$97,751
+HK$5,607/mo
Deposit HK$12.68M · loan HK$19.01M · min. income ≈ HK$184,288/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,461
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,048
−HK$2,624/mo
Today · 4.125%
HK$101,672
baseline
▲ 0.50% · 4.625%
HK$107,031
+HK$5,359/mo
Deposit HK$12.68M · loan HK$19.01M · min. income ≈ HK$203,344/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,158
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$104,305
−HK$3,197/mo
Today · 4.125%
HK$107,502
baseline
▲ 0.50% · 4.625%
HK$114,043
+HK$6,541/mo
Deposit HK$9.51M · loan HK$22.18M · min. income ≈ HK$215,004/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,537
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$115,556
−HK$3,061/mo
Today · 4.125%
HK$118,617
baseline
▲ 0.50% · 4.625%
HK$124,870
+HK$6,253/mo
Deposit HK$9.51M · loan HK$22.18M · min. income ≈ HK$237,234/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,061
−HK$8,155/mo
▼ 0.25% · 3.875%
HK$134,106
−HK$4,110/mo
Today · 4.125%
HK$138,216
baseline
▲ 0.50% · 4.625%
HK$146,627
+HK$8,411/mo
Deposit HK$3.17M · loan HK$28.52M · min. income ≈ HK$276,432/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,346,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,691
−HK$7,817/mo
▼ 0.25% · 3.875%
HK$148,572
−HK$3,936/mo
Today · 4.125%
HK$152,508
baseline
▲ 0.50% · 4.625%
HK$160,547
+HK$8,039/mo
Deposit HK$3.17M · loan HK$28.52M · min. income ≈ HK$305,016/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,346,723 · Scale 2, in force from 26 Feb 2026)