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$72,128
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,372
−HK$2,279/mo
Today · 4.125%
HK$76,651
baseline
▲ 0.50% · 4.625%
HK$81,315
+HK$4,664/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$153,302/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,242
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,394
−HK$2,183/mo
Today · 4.125%
HK$84,577
baseline
▲ 0.50% · 4.625%
HK$89,035
+HK$4,458/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$169,154/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,554
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$89,246
−HK$2,736/mo
Today · 4.125%
HK$91,982
baseline
▲ 0.50% · 4.625%
HK$97,578
+HK$5,596/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$183,964/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,290
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,873
−HK$2,620/mo
Today · 4.125%
HK$101,493
baseline
▲ 0.50% · 4.625%
HK$106,842
+HK$5,349/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$202,986/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,980
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$104,121
−HK$3,191/mo
Today · 4.125%
HK$107,312
baseline
▲ 0.50% · 4.625%
HK$113,842
+HK$6,530/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$214,624/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,339
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$115,352
−HK$3,056/mo
Today · 4.125%
HK$118,408
baseline
▲ 0.50% · 4.625%
HK$124,650
+HK$6,242/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$236,816/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,831
−HK$8,141/mo
▼ 0.25% · 3.875%
HK$133,869
−HK$4,103/mo
Today · 4.125%
HK$137,972
baseline
▲ 0.50% · 4.625%
HK$146,368
+HK$8,396/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$275,944/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,436
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$148,309
−HK$3,930/mo
Today · 4.125%
HK$152,239
baseline
▲ 0.50% · 4.625%
HK$160,264
+HK$8,025/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$304,478/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,346 · Scale 2, in force from 26 Feb 2026)