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$71,876
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,111
−HK$2,272/mo
Today · 4.125%
HK$76,383
baseline
▲ 0.50% · 4.625%
HK$81,031
+HK$4,648/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$152,766/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,961
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,106
−HK$2,175/mo
Today · 4.125%
HK$84,281
baseline
▲ 0.50% · 4.625%
HK$88,724
+HK$4,443/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$168,562/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,251
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,934
−HK$2,726/mo
Today · 4.125%
HK$91,660
baseline
▲ 0.50% · 4.625%
HK$97,237
+HK$5,577/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$183,320/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,953
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$98,527
−HK$2,610/mo
Today · 4.125%
HK$101,137
baseline
▲ 0.50% · 4.625%
HK$106,468
+HK$5,331/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$202,274/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,626
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,756
−HK$3,180/mo
Today · 4.125%
HK$106,936
baseline
▲ 0.50% · 4.625%
HK$113,443
+HK$6,507/mo
Deposit HK$9.46M · loan HK$22.06M · min. income ≈ HK$213,872/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,945
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$114,948
−HK$3,045/mo
Today · 4.125%
HK$117,993
baseline
▲ 0.50% · 4.625%
HK$124,213
+HK$6,220/mo
Deposit HK$9.46M · loan HK$22.06M · min. income ≈ HK$235,986/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,376
−HK$8,113/mo
▼ 0.25% · 3.875%
HK$133,401
−HK$4,088/mo
Today · 4.125%
HK$137,489
baseline
▲ 0.50% · 4.625%
HK$145,855
+HK$8,366/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$274,978/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,930
−HK$7,776/mo
▼ 0.25% · 3.875%
HK$147,790
−HK$3,916/mo
Today · 4.125%
HK$151,706
baseline
▲ 0.50% · 4.625%
HK$159,702
+HK$7,996/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$303,412/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,638 · Scale 2, in force from 26 Feb 2026)