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$72,228
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,475
−HK$2,283/mo
Today · 4.125%
HK$76,758
baseline
▲ 0.50% · 4.625%
HK$81,428
+HK$4,670/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$153,516/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,346,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,353
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,508
−HK$2,187/mo
Today · 4.125%
HK$84,695
baseline
▲ 0.50% · 4.625%
HK$89,159
+HK$4,464/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$169,390/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,346,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,674
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$89,370
−HK$2,739/mo
Today · 4.125%
HK$92,109
baseline
▲ 0.50% · 4.625%
HK$97,714
+HK$5,605/mo
Deposit HK$12.67M · loan HK$19.01M · min. income ≈ HK$184,218/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,424
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,010
−HK$2,624/mo
Today · 4.125%
HK$101,634
baseline
▲ 0.50% · 4.625%
HK$106,991
+HK$5,357/mo
Deposit HK$12.67M · loan HK$19.01M · min. income ≈ HK$203,268/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,120
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$104,265
−HK$3,196/mo
Today · 4.125%
HK$107,461
baseline
▲ 0.50% · 4.625%
HK$114,000
+HK$6,539/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$214,922/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,495
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$115,512
−HK$3,061/mo
Today · 4.125%
HK$118,573
baseline
▲ 0.50% · 4.625%
HK$124,823
+HK$6,250/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$237,146/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,011
−HK$8,153/mo
▼ 0.25% · 3.875%
HK$134,055
−HK$4,109/mo
Today · 4.125%
HK$138,164
baseline
▲ 0.50% · 4.625%
HK$146,571
+HK$8,407/mo
Deposit HK$3.17M · loan HK$28.51M · min. income ≈ HK$276,328/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,346,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,636
−HK$7,814/mo
▼ 0.25% · 3.875%
HK$148,515
−HK$3,935/mo
Today · 4.125%
HK$152,450
baseline
▲ 0.50% · 4.625%
HK$160,486
+HK$8,036/mo
Deposit HK$3.17M · loan HK$28.51M · min. income ≈ HK$304,900/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,346,212 · Scale 2, in force from 26 Feb 2026)