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$72,223
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,469
−HK$2,283/mo
Today · 4.125%
HK$76,752
baseline
▲ 0.50% · 4.625%
HK$81,422
+HK$4,670/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$153,504/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,346,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,347
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,502
−HK$2,186/mo
Today · 4.125%
HK$84,688
baseline
▲ 0.50% · 4.625%
HK$89,152
+HK$4,464/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$169,376/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,346,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,667
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$89,363
−HK$2,739/mo
Today · 4.125%
HK$92,102
baseline
▲ 0.50% · 4.625%
HK$97,706
+HK$5,604/mo
Deposit HK$12.67M · loan HK$19.00M · min. income ≈ HK$184,204/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,416
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$99,002
−HK$2,623/mo
Today · 4.125%
HK$101,625
baseline
▲ 0.50% · 4.625%
HK$106,982
+HK$5,357/mo
Deposit HK$12.67M · loan HK$19.00M · min. income ≈ HK$203,250/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,112
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$104,257
−HK$3,195/mo
Today · 4.125%
HK$107,452
baseline
▲ 0.50% · 4.625%
HK$113,991
+HK$6,539/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$214,904/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,486
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$115,503
−HK$3,060/mo
Today · 4.125%
HK$118,563
baseline
▲ 0.50% · 4.625%
HK$124,813
+HK$6,250/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$237,126/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,001
−HK$8,152/mo
▼ 0.25% · 3.875%
HK$134,045
−HK$4,108/mo
Today · 4.125%
HK$138,153
baseline
▲ 0.50% · 4.625%
HK$146,559
+HK$8,406/mo
Deposit HK$3.17M · loan HK$28.51M · min. income ≈ HK$276,306/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,346,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,625
−HK$7,813/mo
▼ 0.25% · 3.875%
HK$148,503
−HK$3,935/mo
Today · 4.125%
HK$152,438
baseline
▲ 0.50% · 4.625%
HK$160,473
+HK$8,035/mo
Deposit HK$3.17M · loan HK$28.51M · min. income ≈ HK$304,876/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,346,105 · Scale 2, in force from 26 Feb 2026)