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$72,153
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,397
−HK$2,281/mo
Today · 4.125%
HK$76,678
baseline
▲ 0.50% · 4.625%
HK$81,343
+HK$4,665/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$153,356/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,344,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,270
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,422
−HK$2,184/mo
Today · 4.125%
HK$84,606
baseline
▲ 0.50% · 4.625%
HK$89,066
+HK$4,460/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$169,212/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,344,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,584
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$89,277
−HK$2,736/mo
Today · 4.125%
HK$92,013
baseline
▲ 0.50% · 4.625%
HK$97,612
+HK$5,599/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$184,026/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,323
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,907
−HK$2,620/mo
Today · 4.125%
HK$101,527
baseline
▲ 0.50% · 4.625%
HK$106,879
+HK$5,352/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$203,054/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,014
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$104,156
−HK$3,193/mo
Today · 4.125%
HK$107,349
baseline
▲ 0.50% · 4.625%
HK$113,881
+HK$6,532/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$214,698/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,377
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$115,391
−HK$3,058/mo
Today · 4.125%
HK$118,449
baseline
▲ 0.50% · 4.625%
HK$124,692
+HK$6,243/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$236,898/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,875
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$133,915
−HK$4,105/mo
Today · 4.125%
HK$138,020
baseline
▲ 0.50% · 4.625%
HK$146,418
+HK$8,398/mo
Deposit HK$3.16M · loan HK$28.48M · min. income ≈ HK$276,040/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,485
−HK$7,806/mo
▼ 0.25% · 3.875%
HK$148,360
−HK$3,931/mo
Today · 4.125%
HK$152,291
baseline
▲ 0.50% · 4.625%
HK$160,319
+HK$8,028/mo
Deposit HK$3.16M · loan HK$28.48M · min. income ≈ HK$304,582/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,807 · Scale 2, in force from 26 Feb 2026)