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$71,798
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,031
−HK$2,269/mo
Today · 4.125%
HK$76,300
baseline
▲ 0.50% · 4.625%
HK$80,943
+HK$4,643/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$152,600/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,338,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,874
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,016
−HK$2,174/mo
Today · 4.125%
HK$84,190
baseline
▲ 0.50% · 4.625%
HK$88,627
+HK$4,437/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$168,380/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,338,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,157
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$88,837
−HK$2,723/mo
Today · 4.125%
HK$91,560
baseline
▲ 0.50% · 4.625%
HK$97,131
+HK$5,571/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$183,120/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,338,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,849
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$98,420
−HK$2,607/mo
Today · 4.125%
HK$101,027
baseline
▲ 0.50% · 4.625%
HK$106,353
+HK$5,326/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$202,054/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,338,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,517
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$103,643
−HK$3,177/mo
Today · 4.125%
HK$106,820
baseline
▲ 0.50% · 4.625%
HK$113,320
+HK$6,500/mo
Deposit HK$9.45M · loan HK$22.04M · min. income ≈ HK$213,640/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,338,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,824
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$114,823
−HK$3,042/mo
Today · 4.125%
HK$117,865
baseline
▲ 0.50% · 4.625%
HK$124,078
+HK$6,213/mo
Deposit HK$9.45M · loan HK$22.04M · min. income ≈ HK$235,730/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,338,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,236
−HK$8,104/mo
▼ 0.25% · 3.875%
HK$133,256
−HK$4,084/mo
Today · 4.125%
HK$137,340
baseline
▲ 0.50% · 4.625%
HK$145,697
+HK$8,357/mo
Deposit HK$3.15M · loan HK$28.34M · min. income ≈ HK$274,680/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,774
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$147,629
−HK$3,912/mo
Today · 4.125%
HK$151,541
baseline
▲ 0.50% · 4.625%
HK$159,529
+HK$7,988/mo
Deposit HK$3.15M · loan HK$28.34M · min. income ≈ HK$303,082/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,184 · Scale 2, in force from 26 Feb 2026)