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$72,432
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,685
−HK$2,290/mo
Today · 4.125%
HK$76,975
baseline
▲ 0.50% · 4.625%
HK$81,658
+HK$4,683/mo
Deposit HK$15.88M · loan HK$15.88M · min. income ≈ HK$153,950/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,350,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,580
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,741
−HK$2,193/mo
Today · 4.125%
HK$84,934
baseline
▲ 0.50% · 4.625%
HK$89,411
+HK$4,477/mo
Deposit HK$15.88M · loan HK$15.88M · min. income ≈ HK$169,868/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,350,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,919
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,622
−HK$2,747/mo
Today · 4.125%
HK$92,369
baseline
▲ 0.50% · 4.625%
HK$97,990
+HK$5,621/mo
Deposit HK$12.71M · loan HK$19.06M · min. income ≈ HK$184,738/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,350,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,696
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$99,290
−HK$2,631/mo
Today · 4.125%
HK$101,921
baseline
▲ 0.50% · 4.625%
HK$107,293
+HK$5,372/mo
Deposit HK$12.71M · loan HK$19.06M · min. income ≈ HK$203,842/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,350,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,405
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,560
−HK$3,204/mo
Today · 4.125%
HK$107,764
baseline
▲ 0.50% · 4.625%
HK$114,322
+HK$6,558/mo
Deposit HK$9.53M · loan HK$22.24M · min. income ≈ HK$215,528/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,350,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,812
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,838
−HK$3,069/mo
Today · 4.125%
HK$118,907
baseline
▲ 0.50% · 4.625%
HK$125,175
+HK$6,268/mo
Deposit HK$9.53M · loan HK$22.24M · min. income ≈ HK$237,814/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,350,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,378
−HK$8,176/mo
▼ 0.25% · 3.875%
HK$134,434
−HK$4,120/mo
Today · 4.125%
HK$138,554
baseline
▲ 0.50% · 4.625%
HK$146,985
+HK$8,431/mo
Deposit HK$3.18M · loan HK$28.59M · min. income ≈ HK$277,108/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,044
−HK$7,837/mo
▼ 0.25% · 3.875%
HK$148,935
−HK$3,946/mo
Today · 4.125%
HK$152,881
baseline
▲ 0.50% · 4.625%
HK$160,939
+HK$8,058/mo
Deposit HK$3.18M · loan HK$28.59M · min. income ≈ HK$305,762/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,013 · Scale 2, in force from 26 Feb 2026)