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$71,868
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,103
−HK$2,272/mo
Today · 4.125%
HK$76,375
baseline
▲ 0.50% · 4.625%
HK$81,022
+HK$4,647/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$152,750/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,952
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,097
−HK$2,175/mo
Today · 4.125%
HK$84,272
baseline
▲ 0.50% · 4.625%
HK$88,714
+HK$4,442/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$168,544/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,241
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,924
−HK$2,726/mo
Today · 4.125%
HK$91,650
baseline
▲ 0.50% · 4.625%
HK$97,226
+HK$5,576/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$183,300/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,943
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$98,516
−HK$2,610/mo
Today · 4.125%
HK$101,126
baseline
▲ 0.50% · 4.625%
HK$106,457
+HK$5,331/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$202,252/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,615
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,745
−HK$3,180/mo
Today · 4.125%
HK$106,925
baseline
▲ 0.50% · 4.625%
HK$113,431
+HK$6,506/mo
Deposit HK$9.46M · loan HK$22.06M · min. income ≈ HK$213,850/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,339,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,933
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$114,935
−HK$3,046/mo
Today · 4.125%
HK$117,981
baseline
▲ 0.50% · 4.625%
HK$124,200
+HK$6,219/mo
Deposit HK$9.46M · loan HK$22.06M · min. income ≈ HK$235,962/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,339,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,362
−HK$8,112/mo
▼ 0.25% · 3.875%
HK$133,386
−HK$4,088/mo
Today · 4.125%
HK$137,474
baseline
▲ 0.50% · 4.625%
HK$145,839
+HK$8,365/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$274,948/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,914
−HK$7,775/mo
▼ 0.25% · 3.875%
HK$147,774
−HK$3,915/mo
Today · 4.125%
HK$151,689
baseline
▲ 0.50% · 4.625%
HK$159,685
+HK$7,996/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$303,378/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,493 · Scale 2, in force from 26 Feb 2026)