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$74,398
−HK$2,281/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$1,344,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,271
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,424
−HK$2,183/mo
Today · 4.125%
HK$84,607
baseline
▲ 0.50% · 4.625%
HK$89,067
+HK$4,460/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$169,214/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,344,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,585
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,278
−HK$2,737/mo
Today · 4.125%
HK$92,015
baseline
▲ 0.50% · 4.625%
HK$97,613
+HK$5,598/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$1,344,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,325
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,908
−HK$2,621/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$1,344,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,016
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$104,158
−HK$3,192/mo
Today · 4.125%
HK$107,350
baseline
▲ 0.50% · 4.625%
HK$113,882
+HK$6,532/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$214,700/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,379
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$115,393
−HK$3,057/mo
Today · 4.125%
HK$118,450
baseline
▲ 0.50% · 4.625%
HK$124,694
+HK$6,244/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$236,900/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,877
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$133,917
−HK$4,105/mo
Today · 4.125%
HK$138,022
baseline
▲ 0.50% · 4.625%
HK$146,420
+HK$8,398/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$1,344,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,487
−HK$7,806/mo
▼ 0.25% · 3.875%
HK$148,362
−HK$3,931/mo
Today · 4.125%
HK$152,293
baseline
▲ 0.50% · 4.625%
HK$160,321
+HK$8,028/mo
Deposit HK$3.16M · loan HK$28.48M · min. income ≈ HK$304,586/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,827 · Scale 2, in force from 26 Feb 2026)