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$72,330
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,580
−HK$2,286/mo
Today · 4.125%
HK$76,866
baseline
▲ 0.50% · 4.625%
HK$81,543
+HK$4,677/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$153,732/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,348,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,466
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,624
−HK$2,190/mo
Today · 4.125%
HK$84,814
baseline
▲ 0.50% · 4.625%
HK$89,284
+HK$4,470/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$169,628/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,348,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,796
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$89,496
−HK$2,743/mo
Today · 4.125%
HK$92,239
baseline
▲ 0.50% · 4.625%
HK$97,851
+HK$5,612/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$184,478/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,560
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$99,149
−HK$2,627/mo
Today · 4.125%
HK$101,776
baseline
▲ 0.50% · 4.625%
HK$107,141
+HK$5,365/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$203,552/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,262
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$104,412
−HK$3,200/mo
Today · 4.125%
HK$107,612
baseline
▲ 0.50% · 4.625%
HK$114,160
+HK$6,548/mo
Deposit HK$9.52M · loan HK$22.20M · min. income ≈ HK$215,224/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,348,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,653
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$115,674
−HK$3,065/mo
Today · 4.125%
HK$118,739
baseline
▲ 0.50% · 4.625%
HK$124,998
+HK$6,259/mo
Deposit HK$9.52M · loan HK$22.20M · min. income ≈ HK$237,478/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,348,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,194
−HK$8,164/mo
▼ 0.25% · 3.875%
HK$134,244
−HK$4,114/mo
Today · 4.125%
HK$138,358
baseline
▲ 0.50% · 4.625%
HK$146,777
+HK$8,419/mo
Deposit HK$3.17M · loan HK$28.55M · min. income ≈ HK$276,716/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,839
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$148,724
−HK$3,941/mo
Today · 4.125%
HK$152,665
baseline
▲ 0.50% · 4.625%
HK$160,712
+HK$8,047/mo
Deposit HK$3.17M · loan HK$28.55M · min. income ≈ HK$305,330/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,105 · Scale 2, in force from 26 Feb 2026)