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$71,991
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,231
−HK$2,275/mo
Today · 4.125%
HK$76,506
baseline
▲ 0.50% · 4.625%
HK$81,161
+HK$4,655/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$153,012/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,341,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,089
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,237
−HK$2,179/mo
Today · 4.125%
HK$84,416
baseline
▲ 0.50% · 4.625%
HK$88,866
+HK$4,450/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$168,832/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,341,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,389
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,077
−HK$2,730/mo
Today · 4.125%
HK$91,807
baseline
▲ 0.50% · 4.625%
HK$97,393
+HK$5,586/mo
Deposit HK$12.63M · loan HK$18.94M · min. income ≈ HK$183,614/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,107
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,685
−HK$2,615/mo
Today · 4.125%
HK$101,300
baseline
▲ 0.50% · 4.625%
HK$106,639
+HK$5,339/mo
Deposit HK$12.63M · loan HK$18.94M · min. income ≈ HK$202,600/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,788
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,923
−HK$3,185/mo
Today · 4.125%
HK$107,108
baseline
▲ 0.50% · 4.625%
HK$113,625
+HK$6,517/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$214,216/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,125
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$115,132
−HK$3,051/mo
Today · 4.125%
HK$118,183
baseline
▲ 0.50% · 4.625%
HK$124,413
+HK$6,230/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$236,366/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,584
−HK$8,126/mo
▼ 0.25% · 3.875%
HK$133,615
−HK$4,095/mo
Today · 4.125%
HK$137,710
baseline
▲ 0.50% · 4.625%
HK$146,090
+HK$8,380/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$275,420/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,161
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$148,027
−HK$3,923/mo
Today · 4.125%
HK$151,950
baseline
▲ 0.50% · 4.625%
HK$159,959
+HK$8,009/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$303,900/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,791 · Scale 2, in force from 26 Feb 2026)