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$72,278
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,527
−HK$2,284/mo
Today · 4.125%
HK$76,811
baseline
▲ 0.50% · 4.625%
HK$81,484
+HK$4,673/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$153,622/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,409
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,565
−HK$2,188/mo
Today · 4.125%
HK$84,753
baseline
▲ 0.50% · 4.625%
HK$89,221
+HK$4,468/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$169,506/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,734
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$89,432
−HK$2,741/mo
Today · 4.125%
HK$92,173
baseline
▲ 0.50% · 4.625%
HK$97,781
+HK$5,608/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$184,346/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,491
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,078
−HK$2,626/mo
Today · 4.125%
HK$101,704
baseline
▲ 0.50% · 4.625%
HK$107,065
+HK$5,361/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$203,408/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,190
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$104,337
−HK$3,198/mo
Today · 4.125%
HK$107,535
baseline
▲ 0.50% · 4.625%
HK$114,078
+HK$6,543/mo
Deposit HK$9.51M · loan HK$22.19M · min. income ≈ HK$215,070/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,572
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$115,591
−HK$3,063/mo
Today · 4.125%
HK$118,654
baseline
▲ 0.50% · 4.625%
HK$124,909
+HK$6,255/mo
Deposit HK$9.51M · loan HK$22.19M · min. income ≈ HK$237,308/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,101
−HK$8,158/mo
▼ 0.25% · 3.875%
HK$134,148
−HK$4,111/mo
Today · 4.125%
HK$138,259
baseline
▲ 0.50% · 4.625%
HK$146,672
+HK$8,413/mo
Deposit HK$3.17M · loan HK$28.53M · min. income ≈ HK$276,518/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,736
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$148,618
−HK$3,937/mo
Today · 4.125%
HK$152,555
baseline
▲ 0.50% · 4.625%
HK$160,597
+HK$8,042/mo
Deposit HK$3.17M · loan HK$28.53M · min. income ≈ HK$305,110/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,141 · Scale 2, in force from 26 Feb 2026)