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$72,356
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,606
−HK$2,287/mo
Today · 4.125%
HK$76,893
baseline
▲ 0.50% · 4.625%
HK$81,572
+HK$4,679/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$153,786/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,348,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,495
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,654
−HK$2,190/mo
Today · 4.125%
HK$84,844
baseline
▲ 0.50% · 4.625%
HK$89,316
+HK$4,472/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$169,688/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,348,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,827
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,528
−HK$2,744/mo
Today · 4.125%
HK$92,272
baseline
▲ 0.50% · 4.625%
HK$97,886
+HK$5,614/mo
Deposit HK$12.69M · loan HK$19.04M · min. income ≈ HK$184,544/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,594
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$99,185
−HK$2,628/mo
Today · 4.125%
HK$101,813
baseline
▲ 0.50% · 4.625%
HK$107,179
+HK$5,366/mo
Deposit HK$12.69M · loan HK$19.04M · min. income ≈ HK$203,626/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,298
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$104,449
−HK$3,201/mo
Today · 4.125%
HK$107,650
baseline
▲ 0.50% · 4.625%
HK$114,201
+HK$6,551/mo
Deposit HK$9.52M · loan HK$22.21M · min. income ≈ HK$215,300/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,348,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,693
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$115,715
−HK$3,067/mo
Today · 4.125%
HK$118,782
baseline
▲ 0.50% · 4.625%
HK$125,043
+HK$6,261/mo
Deposit HK$9.52M · loan HK$22.21M · min. income ≈ HK$237,564/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,348,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,240
−HK$8,168/mo
▼ 0.25% · 3.875%
HK$134,292
−HK$4,116/mo
Today · 4.125%
HK$138,408
baseline
▲ 0.50% · 4.625%
HK$146,829
+HK$8,421/mo
Deposit HK$3.17M · loan HK$28.56M · min. income ≈ HK$276,816/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,891
−HK$7,828/mo
▼ 0.25% · 3.875%
HK$148,777
−HK$3,942/mo
Today · 4.125%
HK$152,719
baseline
▲ 0.50% · 4.625%
HK$160,769
+HK$8,050/mo
Deposit HK$3.17M · loan HK$28.56M · min. income ≈ HK$305,438/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,586 · Scale 2, in force from 26 Feb 2026)