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$72,183
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,428
−HK$2,282/mo
Today · 4.125%
HK$76,710
baseline
▲ 0.50% · 4.625%
HK$81,377
+HK$4,667/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$153,420/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,345,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,303
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,457
−HK$2,184/mo
Today · 4.125%
HK$84,641
baseline
▲ 0.50% · 4.625%
HK$89,103
+HK$4,462/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$169,282/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,345,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,620
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,314
−HK$2,738/mo
Today · 4.125%
HK$92,052
baseline
▲ 0.50% · 4.625%
HK$97,653
+HK$5,601/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$184,104/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,364
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$98,948
−HK$2,622/mo
Today · 4.125%
HK$101,570
baseline
▲ 0.50% · 4.625%
HK$106,924
+HK$5,354/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$203,140/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,056
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$104,200
−HK$3,193/mo
Today · 4.125%
HK$107,393
baseline
▲ 0.50% · 4.625%
HK$113,928
+HK$6,535/mo
Deposit HK$9.50M · loan HK$22.16M · min. income ≈ HK$214,786/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,345,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,424
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$115,439
−HK$3,059/mo
Today · 4.125%
HK$118,498
baseline
▲ 0.50% · 4.625%
HK$124,744
+HK$6,246/mo
Deposit HK$9.50M · loan HK$22.16M · min. income ≈ HK$236,996/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,345,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,930
−HK$8,147/mo
▼ 0.25% · 3.875%
HK$133,971
−HK$4,106/mo
Today · 4.125%
HK$138,077
baseline
▲ 0.50% · 4.625%
HK$146,479
+HK$8,402/mo
Deposit HK$3.17M · loan HK$28.49M · min. income ≈ HK$276,154/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,545
−HK$7,810/mo
▼ 0.25% · 3.875%
HK$148,422
−HK$3,933/mo
Today · 4.125%
HK$152,355
baseline
▲ 0.50% · 4.625%
HK$160,386
+HK$8,031/mo
Deposit HK$3.17M · loan HK$28.49M · min. income ≈ HK$304,710/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,367 · Scale 2, in force from 26 Feb 2026)