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$72,172
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,417
−HK$2,281/mo
Today · 4.125%
HK$76,698
baseline
▲ 0.50% · 4.625%
HK$81,365
+HK$4,667/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$153,396/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,345,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,291
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,444
−HK$2,185/mo
Today · 4.125%
HK$84,629
baseline
▲ 0.50% · 4.625%
HK$89,089
+HK$4,460/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$169,258/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,345,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,606
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$89,300
−HK$2,737/mo
Today · 4.125%
HK$92,037
baseline
▲ 0.50% · 4.625%
HK$97,638
+HK$5,601/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$184,074/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,349
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$98,933
−HK$2,621/mo
Today · 4.125%
HK$101,554
baseline
▲ 0.50% · 4.625%
HK$106,907
+HK$5,353/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$203,108/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,041
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$104,184
−HK$3,193/mo
Today · 4.125%
HK$107,377
baseline
▲ 0.50% · 4.625%
HK$113,911
+HK$6,534/mo
Deposit HK$9.50M · loan HK$22.16M · min. income ≈ HK$214,754/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,345,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,407
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$115,422
−HK$3,058/mo
Today · 4.125%
HK$118,480
baseline
▲ 0.50% · 4.625%
HK$124,725
+HK$6,245/mo
Deposit HK$9.50M · loan HK$22.16M · min. income ≈ HK$236,960/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,345,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,910
−HK$8,146/mo
▼ 0.25% · 3.875%
HK$133,951
−HK$4,105/mo
Today · 4.125%
HK$138,056
baseline
▲ 0.50% · 4.625%
HK$146,457
+HK$8,401/mo
Deposit HK$3.17M · loan HK$28.49M · min. income ≈ HK$276,112/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,523
−HK$7,808/mo
▼ 0.25% · 3.875%
HK$148,399
−HK$3,932/mo
Today · 4.125%
HK$152,331
baseline
▲ 0.50% · 4.625%
HK$160,361
+HK$8,030/mo
Deposit HK$3.17M · loan HK$28.49M · min. income ≈ HK$304,662/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,162 · Scale 2, in force from 26 Feb 2026)