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$72,331
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,581
−HK$2,286/mo
Today · 4.125%
HK$76,867
baseline
▲ 0.50% · 4.625%
HK$81,544
+HK$4,677/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$153,734/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,348,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,468
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,626
−HK$2,189/mo
Today · 4.125%
HK$84,815
baseline
▲ 0.50% · 4.625%
HK$89,286
+HK$4,471/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$169,630/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,348,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,798
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$89,497
−HK$2,744/mo
Today · 4.125%
HK$92,241
baseline
▲ 0.50% · 4.625%
HK$97,853
+HK$5,612/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$184,482/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,561
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,151
−HK$2,627/mo
Today · 4.125%
HK$101,778
baseline
▲ 0.50% · 4.625%
HK$107,143
+HK$5,365/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$203,556/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,264
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$104,414
−HK$3,200/mo
Today · 4.125%
HK$107,614
baseline
▲ 0.50% · 4.625%
HK$114,162
+HK$6,548/mo
Deposit HK$9.52M · loan HK$22.20M · min. income ≈ HK$215,228/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,348,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,655
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$115,676
−HK$3,065/mo
Today · 4.125%
HK$118,741
baseline
▲ 0.50% · 4.625%
HK$125,000
+HK$6,259/mo
Deposit HK$9.52M · loan HK$22.20M · min. income ≈ HK$237,482/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,348,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,196
−HK$8,165/mo
▼ 0.25% · 3.875%
HK$134,246
−HK$4,115/mo
Today · 4.125%
HK$138,361
baseline
▲ 0.50% · 4.625%
HK$146,780
+HK$8,419/mo
Deposit HK$3.17M · loan HK$28.55M · min. income ≈ HK$276,722/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,842
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$148,727
−HK$3,941/mo
Today · 4.125%
HK$152,668
baseline
▲ 0.50% · 4.625%
HK$160,715
+HK$8,047/mo
Deposit HK$3.17M · loan HK$28.55M · min. income ≈ HK$305,336/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,130 · Scale 2, in force from 26 Feb 2026)