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$71,924
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,161
−HK$2,273/mo
Today · 4.125%
HK$76,434
baseline
▲ 0.50% · 4.625%
HK$81,085
+HK$4,651/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$152,868/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,014
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,160
−HK$2,177/mo
Today · 4.125%
HK$84,337
baseline
▲ 0.50% · 4.625%
HK$88,783
+HK$4,446/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$168,674/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,308
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$88,993
−HK$2,728/mo
Today · 4.125%
HK$91,721
baseline
▲ 0.50% · 4.625%
HK$97,302
+HK$5,581/mo
Deposit HK$12.62M · loan HK$18.93M · min. income ≈ HK$183,442/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,017
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,592
−HK$2,613/mo
Today · 4.125%
HK$101,205
baseline
▲ 0.50% · 4.625%
HK$106,539
+HK$5,334/mo
Deposit HK$12.62M · loan HK$18.93M · min. income ≈ HK$202,410/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,693
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$103,825
−HK$3,182/mo
Today · 4.125%
HK$107,007
baseline
▲ 0.50% · 4.625%
HK$113,518
+HK$6,511/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$214,014/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,020
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$115,024
−HK$3,048/mo
Today · 4.125%
HK$118,072
baseline
▲ 0.50% · 4.625%
HK$124,296
+HK$6,224/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$236,144/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,462
−HK$8,119/mo
▼ 0.25% · 3.875%
HK$133,489
−HK$4,092/mo
Today · 4.125%
HK$137,581
baseline
▲ 0.50% · 4.625%
HK$145,952
+HK$8,371/mo
Deposit HK$3.15M · loan HK$28.39M · min. income ≈ HK$275,162/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,026
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$147,888
−HK$3,919/mo
Today · 4.125%
HK$151,807
baseline
▲ 0.50% · 4.625%
HK$159,809
+HK$8,002/mo
Deposit HK$3.15M · loan HK$28.39M · min. income ≈ HK$303,614/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,530 · Scale 2, in force from 26 Feb 2026)