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$72,088
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$74,330
−HK$2,278/mo
Today · 4.125%
HK$76,608
baseline
▲ 0.50% · 4.625%
HK$81,270
+HK$4,662/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$153,216/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,197
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,348
−HK$2,182/mo
Today · 4.125%
HK$84,530
baseline
▲ 0.50% · 4.625%
HK$88,985
+HK$4,455/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$169,060/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,505
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$89,196
−HK$2,734/mo
Today · 4.125%
HK$91,930
baseline
▲ 0.50% · 4.625%
HK$97,524
+HK$5,594/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$183,860/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,236
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,817
−HK$2,619/mo
Today · 4.125%
HK$101,436
baseline
▲ 0.50% · 4.625%
HK$106,783
+HK$5,347/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$202,872/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,923
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$104,062
−HK$3,190/mo
Today · 4.125%
HK$107,252
baseline
▲ 0.50% · 4.625%
HK$113,778
+HK$6,526/mo
Deposit HK$9.48M · loan HK$22.13M · min. income ≈ HK$214,504/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,276
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$115,287
−HK$3,055/mo
Today · 4.125%
HK$118,342
baseline
▲ 0.50% · 4.625%
HK$124,580
+HK$6,238/mo
Deposit HK$9.48M · loan HK$22.13M · min. income ≈ HK$236,684/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,758
−HK$8,137/mo
▼ 0.25% · 3.875%
HK$133,794
−HK$4,101/mo
Today · 4.125%
HK$137,895
baseline
▲ 0.50% · 4.625%
HK$146,286
+HK$8,391/mo
Deposit HK$3.16M · loan HK$28.45M · min. income ≈ HK$275,790/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,343,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,355
−HK$7,799/mo
▼ 0.25% · 3.875%
HK$148,226
−HK$3,928/mo
Today · 4.125%
HK$152,154
baseline
▲ 0.50% · 4.625%
HK$160,174
+HK$8,020/mo
Deposit HK$3.16M · loan HK$28.45M · min. income ≈ HK$304,308/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,343,592 · Scale 2, in force from 26 Feb 2026)