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$72,252
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,500
−HK$2,283/mo
Today · 4.125%
HK$76,783
baseline
▲ 0.50% · 4.625%
HK$81,455
+HK$4,672/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$153,566/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,346,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,380
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,536
−HK$2,187/mo
Today · 4.125%
HK$84,723
baseline
▲ 0.50% · 4.625%
HK$89,189
+HK$4,466/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$169,446/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,346,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,703
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$89,400
−HK$2,740/mo
Today · 4.125%
HK$92,140
baseline
▲ 0.50% · 4.625%
HK$97,746
+HK$5,606/mo
Deposit HK$12.67M · loan HK$19.01M · min. income ≈ HK$184,280/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,456
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,043
−HK$2,624/mo
Today · 4.125%
HK$101,667
baseline
▲ 0.50% · 4.625%
HK$107,026
+HK$5,359/mo
Deposit HK$12.67M · loan HK$19.01M · min. income ≈ HK$203,334/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,153
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$104,300
−HK$3,196/mo
Today · 4.125%
HK$107,496
baseline
▲ 0.50% · 4.625%
HK$114,037
+HK$6,541/mo
Deposit HK$9.51M · loan HK$22.18M · min. income ≈ HK$214,992/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,532
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$115,550
−HK$3,062/mo
Today · 4.125%
HK$118,612
baseline
▲ 0.50% · 4.625%
HK$124,864
+HK$6,252/mo
Deposit HK$9.51M · loan HK$22.18M · min. income ≈ HK$237,224/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,054
−HK$8,156/mo
▼ 0.25% · 3.875%
HK$134,100
−HK$4,110/mo
Today · 4.125%
HK$138,210
baseline
▲ 0.50% · 4.625%
HK$146,619
+HK$8,409/mo
Deposit HK$3.17M · loan HK$28.52M · min. income ≈ HK$276,420/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,346,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,684
−HK$7,817/mo
▼ 0.25% · 3.875%
HK$148,564
−HK$3,937/mo
Today · 4.125%
HK$152,501
baseline
▲ 0.50% · 4.625%
HK$160,539
+HK$8,038/mo
Deposit HK$3.17M · loan HK$28.52M · min. income ≈ HK$305,002/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,346,658 · Scale 2, in force from 26 Feb 2026)