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$71,654
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,883
−HK$2,264/mo
Today · 4.125%
HK$76,147
baseline
▲ 0.50% · 4.625%
HK$80,781
+HK$4,634/mo
Deposit HK$15.71M · loan HK$15.71M · min. income ≈ HK$152,294/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,335,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,714
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,852
−HK$2,169/mo
Today · 4.125%
HK$84,021
baseline
▲ 0.50% · 4.625%
HK$88,450
+HK$4,429/mo
Deposit HK$15.71M · loan HK$15.71M · min. income ≈ HK$168,042/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,335,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,985
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$88,660
−HK$2,717/mo
Today · 4.125%
HK$91,377
baseline
▲ 0.50% · 4.625%
HK$96,937
+HK$5,560/mo
Deposit HK$12.57M · loan HK$18.85M · min. income ≈ HK$182,754/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,335,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,657
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,223
−HK$2,602/mo
Today · 4.125%
HK$100,825
baseline
▲ 0.50% · 4.625%
HK$106,140
+HK$5,315/mo
Deposit HK$12.57M · loan HK$18.85M · min. income ≈ HK$201,650/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,335,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,316
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$103,436
−HK$3,170/mo
Today · 4.125%
HK$106,606
baseline
▲ 0.50% · 4.625%
HK$113,093
+HK$6,487/mo
Deposit HK$9.43M · loan HK$22.00M · min. income ≈ HK$213,212/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,335,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,600
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$114,593
−HK$3,037/mo
Today · 4.125%
HK$117,630
baseline
▲ 0.50% · 4.625%
HK$123,830
+HK$6,200/mo
Deposit HK$9.43M · loan HK$22.00M · min. income ≈ HK$235,260/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,335,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,977
−HK$8,088/mo
▼ 0.25% · 3.875%
HK$132,989
−HK$4,076/mo
Today · 4.125%
HK$137,065
baseline
▲ 0.50% · 4.625%
HK$145,406
+HK$8,341/mo
Deposit HK$3.14M · loan HK$28.28M · min. income ≈ HK$274,130/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,335,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,486
−HK$7,752/mo
▼ 0.25% · 3.875%
HK$147,334
−HK$3,904/mo
Today · 4.125%
HK$151,238
baseline
▲ 0.50% · 4.625%
HK$159,210
+HK$7,972/mo
Deposit HK$3.14M · loan HK$28.28M · min. income ≈ HK$302,476/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,335,508 · Scale 2, in force from 26 Feb 2026)