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$71,990
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,229
−HK$2,275/mo
Today · 4.125%
HK$76,504
baseline
▲ 0.50% · 4.625%
HK$81,159
+HK$4,655/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$153,008/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,341,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,088
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,236
−HK$2,179/mo
Today · 4.125%
HK$84,415
baseline
▲ 0.50% · 4.625%
HK$88,865
+HK$4,450/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$168,830/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,341,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,388
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$89,075
−HK$2,730/mo
Today · 4.125%
HK$91,805
baseline
▲ 0.50% · 4.625%
HK$97,391
+HK$5,586/mo
Deposit HK$12.63M · loan HK$18.94M · min. income ≈ HK$183,610/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,106
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,683
−HK$2,615/mo
Today · 4.125%
HK$101,298
baseline
▲ 0.50% · 4.625%
HK$106,637
+HK$5,339/mo
Deposit HK$12.63M · loan HK$18.94M · min. income ≈ HK$202,596/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,786
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,921
−HK$3,185/mo
Today · 4.125%
HK$107,106
baseline
▲ 0.50% · 4.625%
HK$113,623
+HK$6,517/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$214,212/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,123
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$115,130
−HK$3,051/mo
Today · 4.125%
HK$118,181
baseline
▲ 0.50% · 4.625%
HK$124,410
+HK$6,229/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$236,362/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,582
−HK$8,126/mo
▼ 0.25% · 3.875%
HK$133,613
−HK$4,095/mo
Today · 4.125%
HK$137,708
baseline
▲ 0.50% · 4.625%
HK$146,087
+HK$8,379/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$275,416/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,158
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$148,025
−HK$3,922/mo
Today · 4.125%
HK$151,947
baseline
▲ 0.50% · 4.625%
HK$159,956
+HK$8,009/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$303,894/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,767 · Scale 2, in force from 26 Feb 2026)