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$72,205
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,451
−HK$2,282/mo
Today · 4.125%
HK$76,733
baseline
▲ 0.50% · 4.625%
HK$81,402
+HK$4,669/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$153,466/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,345,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,327
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,482
−HK$2,185/mo
Today · 4.125%
HK$84,667
baseline
▲ 0.50% · 4.625%
HK$89,130
+HK$4,463/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$169,334/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,345,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,646
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$89,341
−HK$2,738/mo
Today · 4.125%
HK$92,079
baseline
▲ 0.50% · 4.625%
HK$97,682
+HK$5,603/mo
Deposit HK$12.67M · loan HK$19.00M · min. income ≈ HK$184,158/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,393
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$98,978
−HK$2,622/mo
Today · 4.125%
HK$101,600
baseline
▲ 0.50% · 4.625%
HK$106,956
+HK$5,356/mo
Deposit HK$12.67M · loan HK$19.00M · min. income ≈ HK$203,200/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,087
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$104,231
−HK$3,195/mo
Today · 4.125%
HK$107,426
baseline
▲ 0.50% · 4.625%
HK$113,962
+HK$6,536/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$214,852/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,345,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,458
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$115,474
−HK$3,060/mo
Today · 4.125%
HK$118,534
baseline
▲ 0.50% · 4.625%
HK$124,782
+HK$6,248/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$237,068/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,345,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,969
−HK$8,150/mo
▼ 0.25% · 3.875%
HK$134,012
−HK$4,107/mo
Today · 4.125%
HK$138,119
baseline
▲ 0.50% · 4.625%
HK$146,523
+HK$8,404/mo
Deposit HK$3.17M · loan HK$28.50M · min. income ≈ HK$276,238/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,589
−HK$7,812/mo
▼ 0.25% · 3.875%
HK$148,467
−HK$3,934/mo
Today · 4.125%
HK$152,401
baseline
▲ 0.50% · 4.625%
HK$160,434
+HK$8,033/mo
Deposit HK$3.17M · loan HK$28.50M · min. income ≈ HK$304,802/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,773 · Scale 2, in force from 26 Feb 2026)