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$72,136
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,380
−HK$2,280/mo
Today · 4.125%
HK$76,660
baseline
▲ 0.50% · 4.625%
HK$81,324
+HK$4,664/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$153,320/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,251
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,403
−HK$2,183/mo
Today · 4.125%
HK$84,586
baseline
▲ 0.50% · 4.625%
HK$89,045
+HK$4,459/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$169,172/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,563
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$89,256
−HK$2,736/mo
Today · 4.125%
HK$91,992
baseline
▲ 0.50% · 4.625%
HK$97,589
+HK$5,597/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$183,984/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,301
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,884
−HK$2,620/mo
Today · 4.125%
HK$101,504
baseline
▲ 0.50% · 4.625%
HK$106,854
+HK$5,350/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$203,008/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,991
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$104,132
−HK$3,192/mo
Today · 4.125%
HK$107,324
baseline
▲ 0.50% · 4.625%
HK$113,854
+HK$6,530/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$214,648/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,351
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$115,364
−HK$3,057/mo
Today · 4.125%
HK$118,421
baseline
▲ 0.50% · 4.625%
HK$124,663
+HK$6,242/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$236,842/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,845
−HK$8,143/mo
▼ 0.25% · 3.875%
HK$133,884
−HK$4,104/mo
Today · 4.125%
HK$137,988
baseline
▲ 0.50% · 4.625%
HK$146,384
+HK$8,396/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$275,976/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,451
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$148,325
−HK$3,931/mo
Today · 4.125%
HK$152,256
baseline
▲ 0.50% · 4.625%
HK$160,281
+HK$8,025/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$304,512/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,492 · Scale 2, in force from 26 Feb 2026)