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$71,781
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,014
−HK$2,269/mo
Today · 4.125%
HK$76,283
baseline
▲ 0.50% · 4.625%
HK$80,924
+HK$4,641/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$152,566/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,337,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,856
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,998
−HK$2,172/mo
Today · 4.125%
HK$84,170
baseline
▲ 0.50% · 4.625%
HK$88,607
+HK$4,437/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$168,340/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,337,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,138
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$88,817
−HK$2,722/mo
Today · 4.125%
HK$91,539
baseline
▲ 0.50% · 4.625%
HK$97,109
+HK$5,570/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$183,078/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,827
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$98,397
−HK$2,608/mo
Today · 4.125%
HK$101,005
baseline
▲ 0.50% · 4.625%
HK$106,329
+HK$5,324/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$202,010/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,494
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$103,620
−HK$3,176/mo
Today · 4.125%
HK$106,796
baseline
▲ 0.50% · 4.625%
HK$113,294
+HK$6,498/mo
Deposit HK$9.44M · loan HK$22.04M · min. income ≈ HK$213,592/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,799
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$114,797
−HK$3,042/mo
Today · 4.125%
HK$117,839
baseline
▲ 0.50% · 4.625%
HK$124,050
+HK$6,211/mo
Deposit HK$9.44M · loan HK$22.04M · min. income ≈ HK$235,678/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,207
−HK$8,102/mo
▼ 0.25% · 3.875%
HK$133,226
−HK$4,083/mo
Today · 4.125%
HK$137,309
baseline
▲ 0.50% · 4.625%
HK$145,664
+HK$8,355/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$274,618/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,741
−HK$7,766/mo
▼ 0.25% · 3.875%
HK$147,596
−HK$3,911/mo
Today · 4.125%
HK$151,507
baseline
▲ 0.50% · 4.625%
HK$159,493
+HK$7,986/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$303,014/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,880 · Scale 2, in force from 26 Feb 2026)