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$71,676
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,906
−HK$2,265/mo
Today · 4.125%
HK$76,171
baseline
▲ 0.50% · 4.625%
HK$80,806
+HK$4,635/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$152,342/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,335,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,739
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,877
−HK$2,170/mo
Today · 4.125%
HK$84,047
baseline
▲ 0.50% · 4.625%
HK$88,477
+HK$4,430/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$168,094/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,335,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,011
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,687
−HK$2,718/mo
Today · 4.125%
HK$91,405
baseline
▲ 0.50% · 4.625%
HK$96,967
+HK$5,562/mo
Deposit HK$12.57M · loan HK$18.86M · min. income ≈ HK$182,810/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,335,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,687
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$98,253
−HK$2,603/mo
Today · 4.125%
HK$100,856
baseline
▲ 0.50% · 4.625%
HK$106,173
+HK$5,317/mo
Deposit HK$12.57M · loan HK$18.86M · min. income ≈ HK$201,712/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,335,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,346
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$103,468
−HK$3,171/mo
Today · 4.125%
HK$106,639
baseline
▲ 0.50% · 4.625%
HK$113,128
+HK$6,489/mo
Deposit HK$9.43M · loan HK$22.00M · min. income ≈ HK$213,278/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,335,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,634
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$114,628
−HK$3,038/mo
Today · 4.125%
HK$117,666
baseline
▲ 0.50% · 4.625%
HK$123,868
+HK$6,202/mo
Deposit HK$9.43M · loan HK$22.00M · min. income ≈ HK$235,332/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,335,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,017
−HK$8,090/mo
▼ 0.25% · 3.875%
HK$133,030
−HK$4,077/mo
Today · 4.125%
HK$137,107
baseline
▲ 0.50% · 4.625%
HK$145,450
+HK$8,343/mo
Deposit HK$3.14M · loan HK$28.29M · min. income ≈ HK$274,214/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,335,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,530
−HK$7,754/mo
▼ 0.25% · 3.875%
HK$147,379
−HK$3,905/mo
Today · 4.125%
HK$151,284
baseline
▲ 0.50% · 4.625%
HK$159,259
+HK$7,975/mo
Deposit HK$3.14M · loan HK$28.29M · min. income ≈ HK$302,568/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,335,916 · Scale 2, in force from 26 Feb 2026)