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$72,338
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,588
−HK$2,286/mo
Today · 4.125%
HK$76,874
baseline
▲ 0.50% · 4.625%
HK$81,552
+HK$4,678/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$153,748/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,348,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,475
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,634
−HK$2,189/mo
Today · 4.125%
HK$84,823
baseline
▲ 0.50% · 4.625%
HK$89,294
+HK$4,471/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$169,646/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,348,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,806
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$89,506
−HK$2,743/mo
Today · 4.125%
HK$92,249
baseline
▲ 0.50% · 4.625%
HK$97,862
+HK$5,613/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$184,498/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,571
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,161
−HK$2,627/mo
Today · 4.125%
HK$101,788
baseline
▲ 0.50% · 4.625%
HK$107,153
+HK$5,365/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$203,576/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,273
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$104,424
−HK$3,200/mo
Today · 4.125%
HK$107,624
baseline
▲ 0.50% · 4.625%
HK$114,173
+HK$6,549/mo
Deposit HK$9.52M · loan HK$22.21M · min. income ≈ HK$215,248/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,348,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,666
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$115,687
−HK$3,066/mo
Today · 4.125%
HK$118,753
baseline
▲ 0.50% · 4.625%
HK$125,012
+HK$6,259/mo
Deposit HK$9.52M · loan HK$22.21M · min. income ≈ HK$237,506/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,348,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,209
−HK$8,165/mo
▼ 0.25% · 3.875%
HK$134,259
−HK$4,115/mo
Today · 4.125%
HK$138,374
baseline
▲ 0.50% · 4.625%
HK$146,794
+HK$8,420/mo
Deposit HK$3.17M · loan HK$28.55M · min. income ≈ HK$276,748/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,856
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$148,741
−HK$3,941/mo
Today · 4.125%
HK$152,682
baseline
▲ 0.50% · 4.625%
HK$160,730
+HK$8,048/mo
Deposit HK$3.17M · loan HK$28.55M · min. income ≈ HK$305,364/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,258 · Scale 2, in force from 26 Feb 2026)