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$72,154
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,399
−HK$2,280/mo
Today · 4.125%
HK$76,679
baseline
▲ 0.50% · 4.625%
HK$81,345
+HK$4,666/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$153,358/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,344,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,271
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,424
−HK$2,184/mo
Today · 4.125%
HK$84,608
baseline
▲ 0.50% · 4.625%
HK$89,068
+HK$4,460/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$169,216/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,344,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,585
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,279
−HK$2,736/mo
Today · 4.125%
HK$92,015
baseline
▲ 0.50% · 4.625%
HK$97,614
+HK$5,599/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$184,030/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,325
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,909
−HK$2,620/mo
Today · 4.125%
HK$101,529
baseline
▲ 0.50% · 4.625%
HK$106,881
+HK$5,352/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$203,058/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,016
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$104,158
−HK$3,193/mo
Today · 4.125%
HK$107,351
baseline
▲ 0.50% · 4.625%
HK$113,883
+HK$6,532/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$214,702/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,379
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$115,393
−HK$3,058/mo
Today · 4.125%
HK$118,451
baseline
▲ 0.50% · 4.625%
HK$124,695
+HK$6,244/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$236,902/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,878
−HK$8,144/mo
▼ 0.25% · 3.875%
HK$133,918
−HK$4,104/mo
Today · 4.125%
HK$138,022
baseline
▲ 0.50% · 4.625%
HK$146,421
+HK$8,399/mo
Deposit HK$3.16M · loan HK$28.48M · min. income ≈ HK$276,044/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,488
−HK$7,806/mo
▼ 0.25% · 3.875%
HK$148,363
−HK$3,931/mo
Today · 4.125%
HK$152,294
baseline
▲ 0.50% · 4.625%
HK$160,322
+HK$8,028/mo
Deposit HK$3.16M · loan HK$28.48M · min. income ≈ HK$304,588/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,832 · Scale 2, in force from 26 Feb 2026)