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$71,956
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,194
−HK$2,274/mo
Today · 4.125%
HK$76,468
baseline
▲ 0.50% · 4.625%
HK$81,121
+HK$4,653/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$152,936/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,341,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,050
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,197
−HK$2,178/mo
Today · 4.125%
HK$84,375
baseline
▲ 0.50% · 4.625%
HK$88,823
+HK$4,448/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$168,750/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,341,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,347
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$89,033
−HK$2,729/mo
Today · 4.125%
HK$91,762
baseline
▲ 0.50% · 4.625%
HK$97,345
+HK$5,583/mo
Deposit HK$12.62M · loan HK$18.93M · min. income ≈ HK$183,524/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,341,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,060
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$98,637
−HK$2,613/mo
Today · 4.125%
HK$101,250
baseline
▲ 0.50% · 4.625%
HK$106,587
+HK$5,337/mo
Deposit HK$12.62M · loan HK$18.93M · min. income ≈ HK$202,500/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,341,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,738
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$103,872
−HK$3,184/mo
Today · 4.125%
HK$107,056
baseline
▲ 0.50% · 4.625%
HK$113,570
+HK$6,514/mo
Deposit HK$9.47M · loan HK$22.09M · min. income ≈ HK$214,112/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,070
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,076
−HK$3,049/mo
Today · 4.125%
HK$118,125
baseline
▲ 0.50% · 4.625%
HK$124,352
+HK$6,227/mo
Deposit HK$9.47M · loan HK$22.09M · min. income ≈ HK$236,250/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,521
−HK$8,122/mo
▼ 0.25% · 3.875%
HK$133,550
−HK$4,093/mo
Today · 4.125%
HK$137,643
baseline
▲ 0.50% · 4.625%
HK$146,018
+HK$8,375/mo
Deposit HK$3.16M · loan HK$28.40M · min. income ≈ HK$275,286/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,090
−HK$7,785/mo
▼ 0.25% · 3.875%
HK$147,955
−HK$3,920/mo
Today · 4.125%
HK$151,875
baseline
▲ 0.50% · 4.625%
HK$159,881
+HK$8,006/mo
Deposit HK$3.16M · loan HK$28.40M · min. income ≈ HK$303,750/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,134 · Scale 2, in force from 26 Feb 2026)