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$72,250
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,497
−HK$2,283/mo
Today · 4.125%
HK$76,780
baseline
▲ 0.50% · 4.625%
HK$81,452
+HK$4,672/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$153,560/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,346,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,377
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,533
−HK$2,186/mo
Today · 4.125%
HK$84,719
baseline
▲ 0.50% · 4.625%
HK$89,185
+HK$4,466/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$169,438/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,346,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,700
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,396
−HK$2,740/mo
Today · 4.125%
HK$92,136
baseline
▲ 0.50% · 4.625%
HK$97,743
+HK$5,607/mo
Deposit HK$12.67M · loan HK$19.01M · min. income ≈ HK$184,272/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,452
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,039
−HK$2,624/mo
Today · 4.125%
HK$101,663
baseline
▲ 0.50% · 4.625%
HK$107,022
+HK$5,359/mo
Deposit HK$12.67M · loan HK$19.01M · min. income ≈ HK$203,326/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,149
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$104,296
−HK$3,196/mo
Today · 4.125%
HK$107,492
baseline
▲ 0.50% · 4.625%
HK$114,033
+HK$6,541/mo
Deposit HK$9.51M · loan HK$22.18M · min. income ≈ HK$214,984/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,528
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$115,546
−HK$3,061/mo
Today · 4.125%
HK$118,607
baseline
▲ 0.50% · 4.625%
HK$124,859
+HK$6,252/mo
Deposit HK$9.51M · loan HK$22.18M · min. income ≈ HK$237,214/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,049
−HK$8,155/mo
▼ 0.25% · 3.875%
HK$134,095
−HK$4,109/mo
Today · 4.125%
HK$138,204
baseline
▲ 0.50% · 4.625%
HK$146,614
+HK$8,410/mo
Deposit HK$3.17M · loan HK$28.52M · min. income ≈ HK$276,408/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,346,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,678
−HK$7,817/mo
▼ 0.25% · 3.875%
HK$148,559
−HK$3,936/mo
Today · 4.125%
HK$152,495
baseline
▲ 0.50% · 4.625%
HK$160,533
+HK$8,038/mo
Deposit HK$3.17M · loan HK$28.52M · min. income ≈ HK$304,990/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,346,607 · Scale 2, in force from 26 Feb 2026)