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$71,930
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,167
−HK$2,273/mo
Today · 4.125%
HK$76,440
baseline
▲ 0.50% · 4.625%
HK$81,092
+HK$4,652/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$152,880/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,021
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,167
−HK$2,177/mo
Today · 4.125%
HK$84,344
baseline
▲ 0.50% · 4.625%
HK$88,790
+HK$4,446/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$168,688/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,316
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$89,001
−HK$2,727/mo
Today · 4.125%
HK$91,728
baseline
▲ 0.50% · 4.625%
HK$97,310
+HK$5,582/mo
Deposit HK$12.62M · loan HK$18.93M · min. income ≈ HK$183,456/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,025
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,601
−HK$2,612/mo
Today · 4.125%
HK$101,213
baseline
▲ 0.50% · 4.625%
HK$106,548
+HK$5,335/mo
Deposit HK$12.62M · loan HK$18.93M · min. income ≈ HK$202,426/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,702
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$103,834
−HK$3,182/mo
Today · 4.125%
HK$107,016
baseline
▲ 0.50% · 4.625%
HK$113,528
+HK$6,512/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$214,032/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,030
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$115,034
−HK$3,048/mo
Today · 4.125%
HK$118,082
baseline
▲ 0.50% · 4.625%
HK$124,306
+HK$6,224/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$236,164/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,473
−HK$8,120/mo
▼ 0.25% · 3.875%
HK$133,501
−HK$4,092/mo
Today · 4.125%
HK$137,593
baseline
▲ 0.50% · 4.625%
HK$145,965
+HK$8,372/mo
Deposit HK$3.15M · loan HK$28.39M · min. income ≈ HK$275,186/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,340,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,038
−HK$7,782/mo
▼ 0.25% · 3.875%
HK$147,901
−HK$3,919/mo
Today · 4.125%
HK$151,820
baseline
▲ 0.50% · 4.625%
HK$159,823
+HK$8,003/mo
Deposit HK$3.15M · loan HK$28.39M · min. income ≈ HK$303,640/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,340,645 · Scale 2, in force from 26 Feb 2026)