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$72,301
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,550
−HK$2,285/mo
Today · 4.125%
HK$76,835
baseline
▲ 0.50% · 4.625%
HK$81,510
+HK$4,675/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$153,670/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,434
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,592
−HK$2,188/mo
Today · 4.125%
HK$84,780
baseline
▲ 0.50% · 4.625%
HK$89,249
+HK$4,469/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$169,560/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,761
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,460
−HK$2,742/mo
Today · 4.125%
HK$92,202
baseline
▲ 0.50% · 4.625%
HK$97,812
+HK$5,610/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$184,404/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,521
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,110
−HK$2,626/mo
Today · 4.125%
HK$101,736
baseline
▲ 0.50% · 4.625%
HK$107,099
+HK$5,363/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$203,472/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,222
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$104,370
−HK$3,199/mo
Today · 4.125%
HK$107,569
baseline
▲ 0.50% · 4.625%
HK$114,114
+HK$6,545/mo
Deposit HK$9.51M · loan HK$22.20M · min. income ≈ HK$215,138/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,608
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$115,628
−HK$3,064/mo
Today · 4.125%
HK$118,692
baseline
▲ 0.50% · 4.625%
HK$124,948
+HK$6,256/mo
Deposit HK$9.51M · loan HK$22.20M · min. income ≈ HK$237,384/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,142
−HK$8,161/mo
▼ 0.25% · 3.875%
HK$134,190
−HK$4,113/mo
Today · 4.125%
HK$138,303
baseline
▲ 0.50% · 4.625%
HK$146,719
+HK$8,416/mo
Deposit HK$3.17M · loan HK$28.54M · min. income ≈ HK$276,606/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,782
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$148,665
−HK$3,939/mo
Today · 4.125%
HK$152,604
baseline
▲ 0.50% · 4.625%
HK$160,648
+HK$8,044/mo
Deposit HK$3.17M · loan HK$28.54M · min. income ≈ HK$305,208/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,568 · Scale 2, in force from 26 Feb 2026)