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$71,874
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,109
−HK$2,272/mo
Today · 4.125%
HK$76,381
baseline
▲ 0.50% · 4.625%
HK$81,028
+HK$4,647/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$152,762/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,959
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,103
−HK$2,176/mo
Today · 4.125%
HK$84,279
baseline
▲ 0.50% · 4.625%
HK$88,721
+HK$4,442/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$168,558/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,248
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,931
−HK$2,726/mo
Today · 4.125%
HK$91,657
baseline
▲ 0.50% · 4.625%
HK$97,234
+HK$5,577/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$183,314/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,950
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$98,524
−HK$2,610/mo
Today · 4.125%
HK$101,134
baseline
▲ 0.50% · 4.625%
HK$106,465
+HK$5,331/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$202,268/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,623
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,753
−HK$3,180/mo
Today · 4.125%
HK$106,933
baseline
▲ 0.50% · 4.625%
HK$113,440
+HK$6,507/mo
Deposit HK$9.46M · loan HK$22.06M · min. income ≈ HK$213,866/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,942
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$114,944
−HK$3,046/mo
Today · 4.125%
HK$117,990
baseline
▲ 0.50% · 4.625%
HK$124,210
+HK$6,220/mo
Deposit HK$9.46M · loan HK$22.06M · min. income ≈ HK$235,980/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,373
−HK$8,112/mo
▼ 0.25% · 3.875%
HK$133,397
−HK$4,088/mo
Today · 4.125%
HK$137,485
baseline
▲ 0.50% · 4.625%
HK$145,851
+HK$8,366/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$274,970/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,926
−HK$7,776/mo
▼ 0.25% · 3.875%
HK$147,786
−HK$3,916/mo
Today · 4.125%
HK$151,702
baseline
▲ 0.50% · 4.625%
HK$159,698
+HK$7,996/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$303,404/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,600 · Scale 2, in force from 26 Feb 2026)