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$72,214
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,461
−HK$2,282/mo
Today · 4.125%
HK$76,743
baseline
▲ 0.50% · 4.625%
HK$81,412
+HK$4,669/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$153,486/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,345,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,338
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,492
−HK$2,186/mo
Today · 4.125%
HK$84,678
baseline
▲ 0.50% · 4.625%
HK$89,142
+HK$4,464/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$169,356/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,345,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,657
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$89,353
−HK$2,738/mo
Today · 4.125%
HK$92,091
baseline
▲ 0.50% · 4.625%
HK$97,695
+HK$5,604/mo
Deposit HK$12.67M · loan HK$19.00M · min. income ≈ HK$184,182/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,405
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$98,991
−HK$2,623/mo
Today · 4.125%
HK$101,614
baseline
▲ 0.50% · 4.625%
HK$106,970
+HK$5,356/mo
Deposit HK$12.67M · loan HK$19.00M · min. income ≈ HK$203,228/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,100
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$104,245
−HK$3,195/mo
Today · 4.125%
HK$107,440
baseline
▲ 0.50% · 4.625%
HK$113,977
+HK$6,537/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$214,880/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,345,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,473
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$115,489
−HK$3,060/mo
Today · 4.125%
HK$118,549
baseline
▲ 0.50% · 4.625%
HK$124,798
+HK$6,249/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$237,098/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,345,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,986
−HK$8,151/mo
▼ 0.25% · 3.875%
HK$134,029
−HK$4,108/mo
Today · 4.125%
HK$138,137
baseline
▲ 0.50% · 4.625%
HK$146,542
+HK$8,405/mo
Deposit HK$3.17M · loan HK$28.50M · min. income ≈ HK$276,274/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,608
−HK$7,813/mo
▼ 0.25% · 3.875%
HK$148,486
−HK$3,935/mo
Today · 4.125%
HK$152,421
baseline
▲ 0.50% · 4.625%
HK$160,455
+HK$8,034/mo
Deposit HK$3.17M · loan HK$28.50M · min. income ≈ HK$304,842/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,949 · Scale 2, in force from 26 Feb 2026)