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$72,431
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,684
−HK$2,289/mo
Today · 4.125%
HK$76,973
baseline
▲ 0.50% · 4.625%
HK$81,657
+HK$4,684/mo
Deposit HK$15.88M · loan HK$15.88M · min. income ≈ HK$153,946/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,349,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,579
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,740
−HK$2,193/mo
Today · 4.125%
HK$84,933
baseline
▲ 0.50% · 4.625%
HK$89,409
+HK$4,476/mo
Deposit HK$15.88M · loan HK$15.88M · min. income ≈ HK$169,866/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,349,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,918
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,621
−HK$2,747/mo
Today · 4.125%
HK$92,368
baseline
▲ 0.50% · 4.625%
HK$97,988
+HK$5,620/mo
Deposit HK$12.71M · loan HK$19.06M · min. income ≈ HK$184,736/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,349,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,695
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$99,288
−HK$2,631/mo
Today · 4.125%
HK$101,919
baseline
▲ 0.50% · 4.625%
HK$107,291
+HK$5,372/mo
Deposit HK$12.71M · loan HK$19.06M · min. income ≈ HK$203,838/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,349,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,404
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,558
−HK$3,205/mo
Today · 4.125%
HK$107,763
baseline
▲ 0.50% · 4.625%
HK$114,320
+HK$6,557/mo
Deposit HK$9.53M · loan HK$22.24M · min. income ≈ HK$215,526/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,349,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,811
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,836
−HK$3,070/mo
Today · 4.125%
HK$118,906
baseline
▲ 0.50% · 4.625%
HK$125,173
+HK$6,267/mo
Deposit HK$9.53M · loan HK$22.24M · min. income ≈ HK$237,812/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,349,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,376
−HK$8,176/mo
▼ 0.25% · 3.875%
HK$134,432
−HK$4,120/mo
Today · 4.125%
HK$138,552
baseline
▲ 0.50% · 4.625%
HK$146,983
+HK$8,431/mo
Deposit HK$3.18M · loan HK$28.59M · min. income ≈ HK$277,104/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,349,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,042
−HK$7,837/mo
▼ 0.25% · 3.875%
HK$148,932
−HK$3,947/mo
Today · 4.125%
HK$152,879
baseline
▲ 0.50% · 4.625%
HK$160,937
+HK$8,058/mo
Deposit HK$3.18M · loan HK$28.59M · min. income ≈ HK$305,758/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,349,993 · Scale 2, in force from 26 Feb 2026)