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$72,369
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$74,620
−HK$2,288/mo
Today · 4.125%
HK$76,908
baseline
▲ 0.50% · 4.625%
HK$81,587
+HK$4,679/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$153,816/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,348,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,510
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,669
−HK$2,191/mo
Today · 4.125%
HK$84,860
baseline
▲ 0.50% · 4.625%
HK$89,333
+HK$4,473/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$169,720/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,348,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,843
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,545
−HK$2,744/mo
Today · 4.125%
HK$92,289
baseline
▲ 0.50% · 4.625%
HK$97,905
+HK$5,616/mo
Deposit HK$12.69M · loan HK$19.04M · min. income ≈ HK$184,578/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,612
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$99,203
−HK$2,629/mo
Today · 4.125%
HK$101,832
baseline
▲ 0.50% · 4.625%
HK$107,200
+HK$5,368/mo
Deposit HK$12.69M · loan HK$19.04M · min. income ≈ HK$203,664/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,317
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$104,469
−HK$3,202/mo
Today · 4.125%
HK$107,671
baseline
▲ 0.50% · 4.625%
HK$114,222
+HK$6,551/mo
Deposit HK$9.52M · loan HK$22.22M · min. income ≈ HK$215,342/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,348,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,714
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$115,737
−HK$3,067/mo
Today · 4.125%
HK$118,804
baseline
▲ 0.50% · 4.625%
HK$125,066
+HK$6,262/mo
Deposit HK$9.52M · loan HK$22.22M · min. income ≈ HK$237,608/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,348,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,265
−HK$8,169/mo
▼ 0.25% · 3.875%
HK$134,317
−HK$4,117/mo
Today · 4.125%
HK$138,434
baseline
▲ 0.50% · 4.625%
HK$146,857
+HK$8,423/mo
Deposit HK$3.17M · loan HK$28.56M · min. income ≈ HK$276,868/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,918
−HK$7,830/mo
▼ 0.25% · 3.875%
HK$148,805
−HK$3,943/mo
Today · 4.125%
HK$152,748
baseline
▲ 0.50% · 4.625%
HK$160,799
+HK$8,051/mo
Deposit HK$3.17M · loan HK$28.56M · min. income ≈ HK$305,496/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,838 · Scale 2, in force from 26 Feb 2026)