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$72,026
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,266
−HK$2,276/mo
Today · 4.125%
HK$76,542
baseline
▲ 0.50% · 4.625%
HK$81,200
+HK$4,658/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$153,084/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,128
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,277
−HK$2,180/mo
Today · 4.125%
HK$84,457
baseline
▲ 0.50% · 4.625%
HK$88,909
+HK$4,452/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$168,914/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,431
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$89,119
−HK$2,732/mo
Today · 4.125%
HK$91,851
baseline
▲ 0.50% · 4.625%
HK$97,440
+HK$5,589/mo
Deposit HK$12.63M · loan HK$18.95M · min. income ≈ HK$183,702/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,154
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$98,732
−HK$2,616/mo
Today · 4.125%
HK$101,348
baseline
▲ 0.50% · 4.625%
HK$106,691
+HK$5,343/mo
Deposit HK$12.63M · loan HK$18.95M · min. income ≈ HK$202,696/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,836
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$103,973
−HK$3,186/mo
Today · 4.125%
HK$107,159
baseline
▲ 0.50% · 4.625%
HK$113,680
+HK$6,521/mo
Deposit HK$9.48M · loan HK$22.11M · min. income ≈ HK$214,318/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,179
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$115,188
−HK$3,052/mo
Today · 4.125%
HK$118,240
baseline
▲ 0.50% · 4.625%
HK$124,472
+HK$6,232/mo
Deposit HK$9.48M · loan HK$22.11M · min. income ≈ HK$236,480/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,646
−HK$8,130/mo
▼ 0.25% · 3.875%
HK$133,679
−HK$4,097/mo
Today · 4.125%
HK$137,776
baseline
▲ 0.50% · 4.625%
HK$146,160
+HK$8,384/mo
Deposit HK$3.16M · loan HK$28.43M · min. income ≈ HK$275,552/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,230
−HK$7,793/mo
▼ 0.25% · 3.875%
HK$148,098
−HK$3,925/mo
Today · 4.125%
HK$152,023
baseline
▲ 0.50% · 4.625%
HK$160,036
+HK$8,013/mo
Deposit HK$3.16M · loan HK$28.43M · min. income ≈ HK$304,046/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,435 · Scale 2, in force from 26 Feb 2026)