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$72,118
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,361
−HK$2,279/mo
Today · 4.125%
HK$76,640
baseline
▲ 0.50% · 4.625%
HK$81,304
+HK$4,664/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$153,280/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,230
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,382
−HK$2,183/mo
Today · 4.125%
HK$84,565
baseline
▲ 0.50% · 4.625%
HK$89,022
+HK$4,457/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$169,130/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,541
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,233
−HK$2,735/mo
Today · 4.125%
HK$91,968
baseline
▲ 0.50% · 4.625%
HK$97,564
+HK$5,596/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$183,936/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,344,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,276
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$98,858
−HK$2,620/mo
Today · 4.125%
HK$101,478
baseline
▲ 0.50% · 4.625%
HK$106,827
+HK$5,349/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$202,956/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,344,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,965
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$104,105
−HK$3,191/mo
Today · 4.125%
HK$107,296
baseline
▲ 0.50% · 4.625%
HK$113,825
+HK$6,529/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$214,592/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,322
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$115,335
−HK$3,056/mo
Today · 4.125%
HK$118,391
baseline
▲ 0.50% · 4.625%
HK$124,631
+HK$6,240/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$236,782/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,812
−HK$8,140/mo
▼ 0.25% · 3.875%
HK$133,850
−HK$4,102/mo
Today · 4.125%
HK$137,952
baseline
▲ 0.50% · 4.625%
HK$146,346
+HK$8,394/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$275,904/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,414
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$148,288
−HK$3,929/mo
Today · 4.125%
HK$152,217
baseline
▲ 0.50% · 4.625%
HK$160,240
+HK$8,023/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$304,434/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,149 · Scale 2, in force from 26 Feb 2026)