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$71,640
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,869
−HK$2,264/mo
Today · 4.125%
HK$76,133
baseline
▲ 0.50% · 4.625%
HK$80,765
+HK$4,632/mo
Deposit HK$15.71M · loan HK$15.71M · min. income ≈ HK$152,266/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,335,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,699
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$81,837
−HK$2,168/mo
Today · 4.125%
HK$84,005
baseline
▲ 0.50% · 4.625%
HK$88,433
+HK$4,428/mo
Deposit HK$15.71M · loan HK$15.71M · min. income ≈ HK$168,010/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,335,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,968
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$88,643
−HK$2,716/mo
Today · 4.125%
HK$91,359
baseline
▲ 0.50% · 4.625%
HK$96,918
+HK$5,559/mo
Deposit HK$12.57M · loan HK$18.85M · min. income ≈ HK$182,718/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,335,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,639
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$98,204
−HK$2,602/mo
Today · 4.125%
HK$100,806
baseline
▲ 0.50% · 4.625%
HK$106,120
+HK$5,314/mo
Deposit HK$12.57M · loan HK$18.85M · min. income ≈ HK$201,612/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,335,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,297
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$103,416
−HK$3,170/mo
Today · 4.125%
HK$106,586
baseline
▲ 0.50% · 4.625%
HK$113,072
+HK$6,486/mo
Deposit HK$9.43M · loan HK$21.99M · min. income ≈ HK$213,172/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,335,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,579
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$114,571
−HK$3,036/mo
Today · 4.125%
HK$117,607
baseline
▲ 0.50% · 4.625%
HK$123,806
+HK$6,199/mo
Deposit HK$9.43M · loan HK$21.99M · min. income ≈ HK$235,214/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,335,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,953
−HK$8,086/mo
▼ 0.25% · 3.875%
HK$132,964
−HK$4,075/mo
Today · 4.125%
HK$137,039
baseline
▲ 0.50% · 4.625%
HK$145,378
+HK$8,339/mo
Deposit HK$3.14M · loan HK$28.28M · min. income ≈ HK$274,078/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,335,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,459
−HK$7,750/mo
▼ 0.25% · 3.875%
HK$147,306
−HK$3,903/mo
Today · 4.125%
HK$151,209
baseline
▲ 0.50% · 4.625%
HK$159,180
+HK$7,971/mo
Deposit HK$3.14M · loan HK$28.28M · min. income ≈ HK$302,418/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,335,252 · Scale 2, in force from 26 Feb 2026)