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$72,023
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,263
−HK$2,277/mo
Today · 4.125%
HK$76,540
baseline
▲ 0.50% · 4.625%
HK$81,197
+HK$4,657/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$153,080/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,125
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,274
−HK$2,180/mo
Today · 4.125%
HK$84,454
baseline
▲ 0.50% · 4.625%
HK$88,905
+HK$4,451/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$168,908/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,428
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,116
−HK$2,731/mo
Today · 4.125%
HK$91,847
baseline
▲ 0.50% · 4.625%
HK$97,436
+HK$5,589/mo
Deposit HK$12.63M · loan HK$18.95M · min. income ≈ HK$183,694/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,150
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,729
−HK$2,616/mo
Today · 4.125%
HK$101,345
baseline
▲ 0.50% · 4.625%
HK$106,687
+HK$5,342/mo
Deposit HK$12.63M · loan HK$18.95M · min. income ≈ HK$202,690/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,832
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$103,969
−HK$3,186/mo
Today · 4.125%
HK$107,155
baseline
▲ 0.50% · 4.625%
HK$113,675
+HK$6,520/mo
Deposit HK$9.48M · loan HK$22.11M · min. income ≈ HK$214,310/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,175
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$115,183
−HK$3,052/mo
Today · 4.125%
HK$118,235
baseline
▲ 0.50% · 4.625%
HK$124,468
+HK$6,233/mo
Deposit HK$9.48M · loan HK$22.11M · min. income ≈ HK$236,470/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,641
−HK$8,130/mo
▼ 0.25% · 3.875%
HK$133,674
−HK$4,097/mo
Today · 4.125%
HK$137,771
baseline
▲ 0.50% · 4.625%
HK$146,154
+HK$8,383/mo
Deposit HK$3.16M · loan HK$28.43M · min. income ≈ HK$275,542/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,225
−HK$7,792/mo
▼ 0.25% · 3.875%
HK$148,093
−HK$3,924/mo
Today · 4.125%
HK$152,017
baseline
▲ 0.50% · 4.625%
HK$160,030
+HK$8,013/mo
Deposit HK$3.16M · loan HK$28.43M · min. income ≈ HK$304,034/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,384 · Scale 2, in force from 26 Feb 2026)