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$72,040
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,281
−HK$2,277/mo
Today · 4.125%
HK$76,558
baseline
▲ 0.50% · 4.625%
HK$81,216
+HK$4,658/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$153,116/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,144
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,293
−HK$2,181/mo
Today · 4.125%
HK$84,474
baseline
▲ 0.50% · 4.625%
HK$88,927
+HK$4,453/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$168,948/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,448
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,137
−HK$2,732/mo
Today · 4.125%
HK$91,869
baseline
▲ 0.50% · 4.625%
HK$97,459
+HK$5,590/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$183,738/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,173
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,752
−HK$2,617/mo
Today · 4.125%
HK$101,369
baseline
▲ 0.50% · 4.625%
HK$106,712
+HK$5,343/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$202,738/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,856
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$103,994
−HK$3,187/mo
Today · 4.125%
HK$107,181
baseline
▲ 0.50% · 4.625%
HK$113,703
+HK$6,522/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$214,362/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,202
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$115,211
−HK$3,053/mo
Today · 4.125%
HK$118,264
baseline
▲ 0.50% · 4.625%
HK$124,497
+HK$6,233/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$236,528/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,672
−HK$8,132/mo
▼ 0.25% · 3.875%
HK$133,706
−HK$4,098/mo
Today · 4.125%
HK$137,804
baseline
▲ 0.50% · 4.625%
HK$146,189
+HK$8,385/mo
Deposit HK$3.16M · loan HK$28.43M · min. income ≈ HK$275,608/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,259
−HK$7,794/mo
▼ 0.25% · 3.875%
HK$148,128
−HK$3,925/mo
Today · 4.125%
HK$152,053
baseline
▲ 0.50% · 4.625%
HK$160,068
+HK$8,015/mo
Deposit HK$3.16M · loan HK$28.43M · min. income ≈ HK$304,106/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,705 · Scale 2, in force from 26 Feb 2026)