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$72,170
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,415
−HK$2,281/mo
Today · 4.125%
HK$76,696
baseline
▲ 0.50% · 4.625%
HK$81,363
+HK$4,667/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$153,392/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,345,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,289
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,442
−HK$2,184/mo
Today · 4.125%
HK$84,626
baseline
▲ 0.50% · 4.625%
HK$89,087
+HK$4,461/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$169,252/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,345,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,604
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$89,298
−HK$2,737/mo
Today · 4.125%
HK$92,035
baseline
▲ 0.50% · 4.625%
HK$97,635
+HK$5,600/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$184,070/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,346
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$98,930
−HK$2,622/mo
Today · 4.125%
HK$101,552
baseline
▲ 0.50% · 4.625%
HK$106,905
+HK$5,353/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$203,104/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,038
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$104,181
−HK$3,193/mo
Today · 4.125%
HK$107,374
baseline
▲ 0.50% · 4.625%
HK$113,908
+HK$6,534/mo
Deposit HK$9.50M · loan HK$22.16M · min. income ≈ HK$214,748/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,345,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,404
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$115,419
−HK$3,058/mo
Today · 4.125%
HK$118,477
baseline
▲ 0.50% · 4.625%
HK$124,722
+HK$6,245/mo
Deposit HK$9.50M · loan HK$22.16M · min. income ≈ HK$236,954/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,345,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,907
−HK$8,146/mo
▼ 0.25% · 3.875%
HK$133,947
−HK$4,106/mo
Today · 4.125%
HK$138,053
baseline
▲ 0.50% · 4.625%
HK$146,453
+HK$8,400/mo
Deposit HK$3.17M · loan HK$28.49M · min. income ≈ HK$276,106/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,520
−HK$7,808/mo
▼ 0.25% · 3.875%
HK$148,396
−HK$3,932/mo
Today · 4.125%
HK$152,328
baseline
▲ 0.50% · 4.625%
HK$160,357
+HK$8,029/mo
Deposit HK$3.17M · loan HK$28.49M · min. income ≈ HK$304,656/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,129 · Scale 2, in force from 26 Feb 2026)