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$71,671
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,901
−HK$2,265/mo
Today · 4.125%
HK$76,166
baseline
▲ 0.50% · 4.625%
HK$80,800
+HK$4,634/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$152,332/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,335,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,734
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,872
−HK$2,169/mo
Today · 4.125%
HK$84,041
baseline
▲ 0.50% · 4.625%
HK$88,471
+HK$4,430/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$168,082/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,335,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,006
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$88,681
−HK$2,718/mo
Today · 4.125%
HK$91,399
baseline
▲ 0.50% · 4.625%
HK$96,960
+HK$5,561/mo
Deposit HK$12.57M · loan HK$18.86M · min. income ≈ HK$182,798/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,335,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,680
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,246
−HK$2,604/mo
Today · 4.125%
HK$100,850
baseline
▲ 0.50% · 4.625%
HK$106,166
+HK$5,316/mo
Deposit HK$12.57M · loan HK$18.86M · min. income ≈ HK$201,700/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,335,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,340
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$103,461
−HK$3,171/mo
Today · 4.125%
HK$106,632
baseline
▲ 0.50% · 4.625%
HK$113,120
+HK$6,488/mo
Deposit HK$9.43M · loan HK$22.00M · min. income ≈ HK$213,264/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,335,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,627
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$114,621
−HK$3,037/mo
Today · 4.125%
HK$117,658
baseline
▲ 0.50% · 4.625%
HK$123,860
+HK$6,202/mo
Deposit HK$9.43M · loan HK$22.00M · min. income ≈ HK$235,316/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,335,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,008
−HK$8,090/mo
▼ 0.25% · 3.875%
HK$133,021
−HK$4,077/mo
Today · 4.125%
HK$137,098
baseline
▲ 0.50% · 4.625%
HK$145,440
+HK$8,342/mo
Deposit HK$3.14M · loan HK$28.29M · min. income ≈ HK$274,196/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,335,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,520
−HK$7,754/mo
▼ 0.25% · 3.875%
HK$147,370
−HK$3,904/mo
Today · 4.125%
HK$151,274
baseline
▲ 0.50% · 4.625%
HK$159,248
+HK$7,974/mo
Deposit HK$3.14M · loan HK$28.29M · min. income ≈ HK$302,548/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,335,828 · Scale 2, in force from 26 Feb 2026)