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$72,105
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,348
−HK$2,278/mo
Today · 4.125%
HK$76,626
baseline
▲ 0.50% · 4.625%
HK$81,289
+HK$4,663/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$153,252/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,216
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,367
−HK$2,183/mo
Today · 4.125%
HK$84,550
baseline
▲ 0.50% · 4.625%
HK$89,006
+HK$4,456/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$169,100/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,526
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$89,217
−HK$2,734/mo
Today · 4.125%
HK$91,951
baseline
▲ 0.50% · 4.625%
HK$97,547
+HK$5,596/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$183,902/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,259
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,840
−HK$2,619/mo
Today · 4.125%
HK$101,459
baseline
▲ 0.50% · 4.625%
HK$106,807
+HK$5,348/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$202,918/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,947
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$104,087
−HK$3,190/mo
Today · 4.125%
HK$107,277
baseline
▲ 0.50% · 4.625%
HK$113,804
+HK$6,527/mo
Deposit HK$9.49M · loan HK$22.13M · min. income ≈ HK$214,554/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,302
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,314
−HK$3,055/mo
Today · 4.125%
HK$118,369
baseline
▲ 0.50% · 4.625%
HK$124,609
+HK$6,240/mo
Deposit HK$9.49M · loan HK$22.13M · min. income ≈ HK$236,738/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,788
−HK$8,139/mo
▼ 0.25% · 3.875%
HK$133,826
−HK$4,101/mo
Today · 4.125%
HK$137,927
baseline
▲ 0.50% · 4.625%
HK$146,320
+HK$8,393/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$275,854/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,343,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,388
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$148,261
−HK$3,928/mo
Today · 4.125%
HK$152,189
baseline
▲ 0.50% · 4.625%
HK$160,211
+HK$8,022/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$304,378/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,343,905 · Scale 2, in force from 26 Feb 2026)