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$72,327
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,577
−HK$2,286/mo
Today · 4.125%
HK$76,863
baseline
▲ 0.50% · 4.625%
HK$81,540
+HK$4,677/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$153,726/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,348,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,463
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,621
−HK$2,189/mo
Today · 4.125%
HK$84,810
baseline
▲ 0.50% · 4.625%
HK$89,281
+HK$4,471/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$169,620/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,348,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,793
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$89,492
−HK$2,743/mo
Today · 4.125%
HK$92,235
baseline
▲ 0.50% · 4.625%
HK$97,848
+HK$5,613/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$184,470/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,556
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$99,145
−HK$2,627/mo
Today · 4.125%
HK$101,772
baseline
▲ 0.50% · 4.625%
HK$107,137
+HK$5,365/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$203,544/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,258
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$104,408
−HK$3,200/mo
Today · 4.125%
HK$107,608
baseline
▲ 0.50% · 4.625%
HK$114,155
+HK$6,547/mo
Deposit HK$9.52M · loan HK$22.20M · min. income ≈ HK$215,216/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,348,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,649
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$115,670
−HK$3,065/mo
Today · 4.125%
HK$118,735
baseline
▲ 0.50% · 4.625%
HK$124,993
+HK$6,258/mo
Deposit HK$9.52M · loan HK$22.20M · min. income ≈ HK$237,470/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,348,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,189
−HK$8,164/mo
▼ 0.25% · 3.875%
HK$134,238
−HK$4,115/mo
Today · 4.125%
HK$138,353
baseline
▲ 0.50% · 4.625%
HK$146,771
+HK$8,418/mo
Deposit HK$3.17M · loan HK$28.55M · min. income ≈ HK$276,706/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,834
−HK$7,825/mo
▼ 0.25% · 3.875%
HK$148,718
−HK$3,941/mo
Today · 4.125%
HK$152,659
baseline
▲ 0.50% · 4.625%
HK$160,706
+HK$8,047/mo
Deposit HK$3.17M · loan HK$28.55M · min. income ≈ HK$305,318/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,052 · Scale 2, in force from 26 Feb 2026)