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$72,329
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,579
−HK$2,286/mo
Today · 4.125%
HK$76,865
baseline
▲ 0.50% · 4.625%
HK$81,542
+HK$4,677/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$153,730/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,348,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,465
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,623
−HK$2,190/mo
Today · 4.125%
HK$84,813
baseline
▲ 0.50% · 4.625%
HK$89,283
+HK$4,470/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$169,626/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,348,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,795
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$89,495
−HK$2,743/mo
Today · 4.125%
HK$92,238
baseline
▲ 0.50% · 4.625%
HK$97,850
+HK$5,612/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$184,476/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,558
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,148
−HK$2,627/mo
Today · 4.125%
HK$101,775
baseline
▲ 0.50% · 4.625%
HK$107,140
+HK$5,365/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$203,550/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,261
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$104,410
−HK$3,200/mo
Today · 4.125%
HK$107,610
baseline
▲ 0.50% · 4.625%
HK$114,158
+HK$6,548/mo
Deposit HK$9.52M · loan HK$22.20M · min. income ≈ HK$215,220/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,348,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,651
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$115,673
−HK$3,065/mo
Today · 4.125%
HK$118,738
baseline
▲ 0.50% · 4.625%
HK$124,996
+HK$6,258/mo
Deposit HK$9.52M · loan HK$22.20M · min. income ≈ HK$237,476/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,348,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,192
−HK$8,164/mo
▼ 0.25% · 3.875%
HK$134,242
−HK$4,114/mo
Today · 4.125%
HK$138,356
baseline
▲ 0.50% · 4.625%
HK$146,775
+HK$8,419/mo
Deposit HK$3.17M · loan HK$28.55M · min. income ≈ HK$276,712/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,837
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$148,722
−HK$3,941/mo
Today · 4.125%
HK$152,663
baseline
▲ 0.50% · 4.625%
HK$160,710
+HK$8,047/mo
Deposit HK$3.17M · loan HK$28.55M · min. income ≈ HK$305,326/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,086 · Scale 2, in force from 26 Feb 2026)