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$71,936
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,174
−HK$2,273/mo
Today · 4.125%
HK$76,447
baseline
▲ 0.50% · 4.625%
HK$81,099
+HK$4,652/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$152,894/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,028
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,174
−HK$2,178/mo
Today · 4.125%
HK$84,352
baseline
▲ 0.50% · 4.625%
HK$88,798
+HK$4,446/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$168,704/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,323
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$89,008
−HK$2,728/mo
Today · 4.125%
HK$91,736
baseline
▲ 0.50% · 4.625%
HK$97,318
+HK$5,582/mo
Deposit HK$12.62M · loan HK$18.93M · min. income ≈ HK$183,472/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,034
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,609
−HK$2,613/mo
Today · 4.125%
HK$101,222
baseline
▲ 0.50% · 4.625%
HK$106,558
+HK$5,336/mo
Deposit HK$12.62M · loan HK$18.93M · min. income ≈ HK$202,444/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,710
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$103,843
−HK$3,183/mo
Today · 4.125%
HK$107,026
baseline
▲ 0.50% · 4.625%
HK$113,538
+HK$6,512/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$214,052/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,039
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$115,044
−HK$3,048/mo
Today · 4.125%
HK$118,092
baseline
▲ 0.50% · 4.625%
HK$124,317
+HK$6,225/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$236,184/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,485
−HK$8,119/mo
▼ 0.25% · 3.875%
HK$133,512
−HK$4,092/mo
Today · 4.125%
HK$137,604
baseline
▲ 0.50% · 4.625%
HK$145,977
+HK$8,373/mo
Deposit HK$3.15M · loan HK$28.39M · min. income ≈ HK$275,208/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,340,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,050
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$147,914
−HK$3,919/mo
Today · 4.125%
HK$151,833
baseline
▲ 0.50% · 4.625%
HK$159,836
+HK$8,003/mo
Deposit HK$3.15M · loan HK$28.39M · min. income ≈ HK$303,666/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,340,760 · Scale 2, in force from 26 Feb 2026)