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$72,051
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,292
−HK$2,278/mo
Today · 4.125%
HK$76,570
baseline
▲ 0.50% · 4.625%
HK$81,229
+HK$4,659/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$153,140/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,156
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,306
−HK$2,181/mo
Today · 4.125%
HK$84,487
baseline
▲ 0.50% · 4.625%
HK$88,940
+HK$4,453/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$168,974/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,462
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,151
−HK$2,732/mo
Today · 4.125%
HK$91,883
baseline
▲ 0.50% · 4.625%
HK$97,474
+HK$5,591/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$183,766/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,188
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,767
−HK$2,617/mo
Today · 4.125%
HK$101,384
baseline
▲ 0.50% · 4.625%
HK$106,728
+HK$5,344/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$202,768/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,872
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$104,009
−HK$3,188/mo
Today · 4.125%
HK$107,197
baseline
▲ 0.50% · 4.625%
HK$113,720
+HK$6,523/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$214,394/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,219
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$115,229
−HK$3,053/mo
Today · 4.125%
HK$118,282
baseline
▲ 0.50% · 4.625%
HK$124,516
+HK$6,234/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$236,564/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,692
−HK$8,133/mo
▼ 0.25% · 3.875%
HK$133,726
−HK$4,099/mo
Today · 4.125%
HK$137,825
baseline
▲ 0.50% · 4.625%
HK$146,211
+HK$8,386/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$275,650/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,281
−HK$7,795/mo
▼ 0.25% · 3.875%
HK$148,151
−HK$3,925/mo
Today · 4.125%
HK$152,076
baseline
▲ 0.50% · 4.625%
HK$160,093
+HK$8,017/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$304,152/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,911 · Scale 2, in force from 26 Feb 2026)