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$71,918
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,155
−HK$2,272/mo
Today · 4.125%
HK$76,427
baseline
▲ 0.50% · 4.625%
HK$81,078
+HK$4,651/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$152,854/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,007
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,153
−HK$2,177/mo
Today · 4.125%
HK$84,330
baseline
▲ 0.50% · 4.625%
HK$88,775
+HK$4,445/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$168,660/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,301
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,985
−HK$2,728/mo
Today · 4.125%
HK$91,713
baseline
▲ 0.50% · 4.625%
HK$97,293
+HK$5,580/mo
Deposit HK$12.62M · loan HK$18.92M · min. income ≈ HK$183,426/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,009
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$98,584
−HK$2,612/mo
Today · 4.125%
HK$101,196
baseline
▲ 0.50% · 4.625%
HK$106,530
+HK$5,334/mo
Deposit HK$12.62M · loan HK$18.92M · min. income ≈ HK$202,392/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,685
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$103,816
−HK$3,182/mo
Today · 4.125%
HK$106,998
baseline
▲ 0.50% · 4.625%
HK$113,509
+HK$6,511/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$213,996/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,010
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$115,015
−HK$3,047/mo
Today · 4.125%
HK$118,062
baseline
▲ 0.50% · 4.625%
HK$124,285
+HK$6,223/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$236,124/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,452
−HK$8,117/mo
▼ 0.25% · 3.875%
HK$133,478
−HK$4,091/mo
Today · 4.125%
HK$137,569
baseline
▲ 0.50% · 4.625%
HK$145,940
+HK$8,371/mo
Deposit HK$3.15M · loan HK$28.39M · min. income ≈ HK$275,138/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,013
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$147,876
−HK$3,918/mo
Today · 4.125%
HK$151,794
baseline
▲ 0.50% · 4.625%
HK$159,795
+HK$8,001/mo
Deposit HK$3.15M · loan HK$28.39M · min. income ≈ HK$303,588/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,417 · Scale 2, in force from 26 Feb 2026)