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$71,773
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,005
−HK$2,269/mo
Today · 4.125%
HK$76,274
baseline
▲ 0.50% · 4.625%
HK$80,915
+HK$4,641/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$152,548/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,337,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,847
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,988
−HK$2,173/mo
Today · 4.125%
HK$84,161
baseline
▲ 0.50% · 4.625%
HK$88,597
+HK$4,436/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$168,322/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,337,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,128
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,807
−HK$2,721/mo
Today · 4.125%
HK$91,528
baseline
▲ 0.50% · 4.625%
HK$97,098
+HK$5,570/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$183,056/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,816
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$98,386
−HK$2,607/mo
Today · 4.125%
HK$100,993
baseline
▲ 0.50% · 4.625%
HK$106,316
+HK$5,323/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$201,986/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,482
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,608
−HK$3,175/mo
Today · 4.125%
HK$106,783
baseline
▲ 0.50% · 4.625%
HK$113,281
+HK$6,498/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$213,566/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,785
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$114,783
−HK$3,042/mo
Today · 4.125%
HK$117,825
baseline
▲ 0.50% · 4.625%
HK$124,035
+HK$6,210/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$235,650/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,191
−HK$8,102/mo
▼ 0.25% · 3.875%
HK$133,210
−HK$4,083/mo
Today · 4.125%
HK$137,293
baseline
▲ 0.50% · 4.625%
HK$145,647
+HK$8,354/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$274,586/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,724
−HK$7,765/mo
▼ 0.25% · 3.875%
HK$147,579
−HK$3,910/mo
Today · 4.125%
HK$151,489
baseline
▲ 0.50% · 4.625%
HK$159,474
+HK$7,985/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$302,978/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,723 · Scale 2, in force from 26 Feb 2026)