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$72,231
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,478
−HK$2,283/mo
Today · 4.125%
HK$76,761
baseline
▲ 0.50% · 4.625%
HK$81,431
+HK$4,670/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$153,522/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,346,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,356
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,511
−HK$2,187/mo
Today · 4.125%
HK$84,698
baseline
▲ 0.50% · 4.625%
HK$89,162
+HK$4,464/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$169,396/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,346,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,677
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,373
−HK$2,740/mo
Today · 4.125%
HK$92,113
baseline
▲ 0.50% · 4.625%
HK$97,717
+HK$5,604/mo
Deposit HK$12.67M · loan HK$19.01M · min. income ≈ HK$184,226/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,427
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,014
−HK$2,623/mo
Today · 4.125%
HK$101,637
baseline
▲ 0.50% · 4.625%
HK$106,995
+HK$5,358/mo
Deposit HK$12.67M · loan HK$19.01M · min. income ≈ HK$203,274/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,123
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$104,269
−HK$3,196/mo
Today · 4.125%
HK$107,465
baseline
▲ 0.50% · 4.625%
HK$114,004
+HK$6,539/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$214,930/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,499
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$115,516
−HK$3,061/mo
Today · 4.125%
HK$118,577
baseline
▲ 0.50% · 4.625%
HK$124,827
+HK$6,250/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$237,154/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,016
−HK$8,153/mo
▼ 0.25% · 3.875%
HK$134,060
−HK$4,109/mo
Today · 4.125%
HK$138,169
baseline
▲ 0.50% · 4.625%
HK$146,576
+HK$8,407/mo
Deposit HK$3.17M · loan HK$28.51M · min. income ≈ HK$276,338/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,346,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,641
−HK$7,815/mo
▼ 0.25% · 3.875%
HK$148,520
−HK$3,936/mo
Today · 4.125%
HK$152,456
baseline
▲ 0.50% · 4.625%
HK$160,492
+HK$8,036/mo
Deposit HK$3.17M · loan HK$28.51M · min. income ≈ HK$304,912/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,346,260 · Scale 2, in force from 26 Feb 2026)