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$72,158
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,402
−HK$2,281/mo
Today · 4.125%
HK$76,683
baseline
▲ 0.50% · 4.625%
HK$81,349
+HK$4,666/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$153,366/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,344,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,275
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,428
−HK$2,184/mo
Today · 4.125%
HK$84,612
baseline
▲ 0.50% · 4.625%
HK$89,072
+HK$4,460/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$169,224/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,344,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,589
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,283
−HK$2,736/mo
Today · 4.125%
HK$92,019
baseline
▲ 0.50% · 4.625%
HK$97,618
+HK$5,599/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$184,038/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,330
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,913
−HK$2,621/mo
Today · 4.125%
HK$101,534
baseline
▲ 0.50% · 4.625%
HK$106,886
+HK$5,352/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$203,068/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,021
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$104,163
−HK$3,193/mo
Today · 4.125%
HK$107,356
baseline
▲ 0.50% · 4.625%
HK$113,888
+HK$6,532/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$214,712/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,385
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$115,399
−HK$3,058/mo
Today · 4.125%
HK$118,457
baseline
▲ 0.50% · 4.625%
HK$124,701
+HK$6,244/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$236,914/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,884
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$133,924
−HK$4,105/mo
Today · 4.125%
HK$138,029
baseline
▲ 0.50% · 4.625%
HK$146,428
+HK$8,399/mo
Deposit HK$3.16M · loan HK$28.48M · min. income ≈ HK$276,058/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,495
−HK$7,806/mo
▼ 0.25% · 3.875%
HK$148,370
−HK$3,931/mo
Today · 4.125%
HK$152,301
baseline
▲ 0.50% · 4.625%
HK$160,329
+HK$8,028/mo
Deposit HK$3.16M · loan HK$28.48M · min. income ≈ HK$304,602/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,895 · Scale 2, in force from 26 Feb 2026)