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$72,314
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,564
−HK$2,285/mo
Today · 4.125%
HK$76,849
baseline
▲ 0.50% · 4.625%
HK$81,525
+HK$4,676/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$153,698/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,449
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,607
−HK$2,189/mo
Today · 4.125%
HK$84,796
baseline
▲ 0.50% · 4.625%
HK$89,265
+HK$4,469/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$169,592/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,777
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$89,477
−HK$2,742/mo
Today · 4.125%
HK$92,219
baseline
▲ 0.50% · 4.625%
HK$97,830
+HK$5,611/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$184,438/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,539
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$99,128
−HK$2,627/mo
Today · 4.125%
HK$101,755
baseline
▲ 0.50% · 4.625%
HK$107,118
+HK$5,363/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$203,510/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,240
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$104,389
−HK$3,200/mo
Today · 4.125%
HK$107,589
baseline
▲ 0.50% · 4.625%
HK$114,135
+HK$6,546/mo
Deposit HK$9.51M · loan HK$22.20M · min. income ≈ HK$215,178/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,629
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$115,649
−HK$3,065/mo
Today · 4.125%
HK$118,714
baseline
▲ 0.50% · 4.625%
HK$124,971
+HK$6,257/mo
Deposit HK$9.51M · loan HK$22.20M · min. income ≈ HK$237,428/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,166
−HK$8,163/mo
▼ 0.25% · 3.875%
HK$134,215
−HK$4,114/mo
Today · 4.125%
HK$138,329
baseline
▲ 0.50% · 4.625%
HK$146,746
+HK$8,417/mo
Deposit HK$3.17M · loan HK$28.54M · min. income ≈ HK$276,658/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,808
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$148,692
−HK$3,940/mo
Today · 4.125%
HK$152,632
baseline
▲ 0.50% · 4.625%
HK$160,677
+HK$8,045/mo
Deposit HK$3.17M · loan HK$28.54M · min. income ≈ HK$305,264/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,816 · Scale 2, in force from 26 Feb 2026)