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$72,207
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,453
−HK$2,282/mo
Today · 4.125%
HK$76,735
baseline
▲ 0.50% · 4.625%
HK$81,404
+HK$4,669/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$153,470/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,345,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,329
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,484
−HK$2,185/mo
Today · 4.125%
HK$84,669
baseline
▲ 0.50% · 4.625%
HK$89,132
+HK$4,463/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$169,338/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,345,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,648
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$89,344
−HK$2,738/mo
Today · 4.125%
HK$92,082
baseline
▲ 0.50% · 4.625%
HK$97,685
+HK$5,603/mo
Deposit HK$12.67M · loan HK$19.00M · min. income ≈ HK$184,164/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,395
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$98,981
−HK$2,622/mo
Today · 4.125%
HK$101,603
baseline
▲ 0.50% · 4.625%
HK$106,959
+HK$5,356/mo
Deposit HK$12.67M · loan HK$19.00M · min. income ≈ HK$203,206/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,090
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$104,234
−HK$3,195/mo
Today · 4.125%
HK$107,429
baseline
▲ 0.50% · 4.625%
HK$113,966
+HK$6,537/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$214,858/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,345,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,461
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$115,477
−HK$3,060/mo
Today · 4.125%
HK$118,537
baseline
▲ 0.50% · 4.625%
HK$124,785
+HK$6,248/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$237,074/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,345,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,972
−HK$8,151/mo
▼ 0.25% · 3.875%
HK$134,015
−HK$4,108/mo
Today · 4.125%
HK$138,123
baseline
▲ 0.50% · 4.625%
HK$146,527
+HK$8,404/mo
Deposit HK$3.17M · loan HK$28.50M · min. income ≈ HK$276,246/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,593
−HK$7,812/mo
▼ 0.25% · 3.875%
HK$148,471
−HK$3,934/mo
Today · 4.125%
HK$152,405
baseline
▲ 0.50% · 4.625%
HK$160,438
+HK$8,033/mo
Deposit HK$3.17M · loan HK$28.50M · min. income ≈ HK$304,810/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,811 · Scale 2, in force from 26 Feb 2026)