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$71,972
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,211
−HK$2,274/mo
Today · 4.125%
HK$76,485
baseline
▲ 0.50% · 4.625%
HK$81,139
+HK$4,654/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$152,970/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,341,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,068
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,215
−HK$2,179/mo
Today · 4.125%
HK$84,394
baseline
▲ 0.50% · 4.625%
HK$88,842
+HK$4,448/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$168,788/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,341,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,366
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,053
−HK$2,729/mo
Today · 4.125%
HK$91,782
baseline
▲ 0.50% · 4.625%
HK$97,367
+HK$5,585/mo
Deposit HK$12.63M · loan HK$18.94M · min. income ≈ HK$183,564/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,082
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$98,658
−HK$2,615/mo
Today · 4.125%
HK$101,273
baseline
▲ 0.50% · 4.625%
HK$106,611
+HK$5,338/mo
Deposit HK$12.63M · loan HK$18.94M · min. income ≈ HK$202,546/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,761
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$103,895
−HK$3,184/mo
Today · 4.125%
HK$107,079
baseline
▲ 0.50% · 4.625%
HK$113,595
+HK$6,516/mo
Deposit HK$9.47M · loan HK$22.09M · min. income ≈ HK$214,158/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,095
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$115,102
−HK$3,049/mo
Today · 4.125%
HK$118,151
baseline
▲ 0.50% · 4.625%
HK$124,379
+HK$6,228/mo
Deposit HK$9.47M · loan HK$22.09M · min. income ≈ HK$236,302/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,549
−HK$8,124/mo
▼ 0.25% · 3.875%
HK$133,579
−HK$4,094/mo
Today · 4.125%
HK$137,673
baseline
▲ 0.50% · 4.625%
HK$146,050
+HK$8,377/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$275,346/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,122
−HK$7,787/mo
▼ 0.25% · 3.875%
HK$147,988
−HK$3,921/mo
Today · 4.125%
HK$151,909
baseline
▲ 0.50% · 4.625%
HK$159,916
+HK$8,007/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$303,818/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,431 · Scale 2, in force from 26 Feb 2026)