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$72,366
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,617
−HK$2,287/mo
Today · 4.125%
HK$76,904
baseline
▲ 0.50% · 4.625%
HK$81,584
+HK$4,680/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$153,808/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,348,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,507
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,666
−HK$2,191/mo
Today · 4.125%
HK$84,857
baseline
▲ 0.50% · 4.625%
HK$89,329
+HK$4,472/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$169,714/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,348,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,840
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,541
−HK$2,744/mo
Today · 4.125%
HK$92,285
baseline
▲ 0.50% · 4.625%
HK$97,901
+HK$5,616/mo
Deposit HK$12.69M · loan HK$19.04M · min. income ≈ HK$184,570/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,608
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$99,199
−HK$2,629/mo
Today · 4.125%
HK$101,828
baseline
▲ 0.50% · 4.625%
HK$107,195
+HK$5,367/mo
Deposit HK$12.69M · loan HK$19.04M · min. income ≈ HK$203,656/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,313
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$104,464
−HK$3,202/mo
Today · 4.125%
HK$107,666
baseline
▲ 0.50% · 4.625%
HK$114,218
+HK$6,552/mo
Deposit HK$9.52M · loan HK$22.22M · min. income ≈ HK$215,332/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,348,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,710
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$115,733
−HK$3,066/mo
Today · 4.125%
HK$118,799
baseline
▲ 0.50% · 4.625%
HK$125,061
+HK$6,262/mo
Deposit HK$9.52M · loan HK$22.22M · min. income ≈ HK$237,598/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,348,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,260
−HK$8,168/mo
▼ 0.25% · 3.875%
HK$134,311
−HK$4,117/mo
Today · 4.125%
HK$138,428
baseline
▲ 0.50% · 4.625%
HK$146,851
+HK$8,423/mo
Deposit HK$3.17M · loan HK$28.56M · min. income ≈ HK$276,856/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,913
−HK$7,829/mo
▼ 0.25% · 3.875%
HK$148,799
−HK$3,943/mo
Today · 4.125%
HK$152,742
baseline
▲ 0.50% · 4.625%
HK$160,793
+HK$8,051/mo
Deposit HK$3.17M · loan HK$28.56M · min. income ≈ HK$305,484/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,785 · Scale 2, in force from 26 Feb 2026)