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$72,144
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,388
−HK$2,280/mo
Today · 4.125%
HK$76,668
baseline
▲ 0.50% · 4.625%
HK$81,334
+HK$4,666/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$153,336/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,260
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,412
−HK$2,184/mo
Today · 4.125%
HK$84,596
baseline
▲ 0.50% · 4.625%
HK$89,055
+HK$4,459/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$169,192/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,573
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$89,266
−HK$2,736/mo
Today · 4.125%
HK$92,002
baseline
▲ 0.50% · 4.625%
HK$97,600
+HK$5,598/mo
Deposit HK$12.66M · loan HK$18.98M · min. income ≈ HK$184,004/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,312
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,895
−HK$2,620/mo
Today · 4.125%
HK$101,515
baseline
▲ 0.50% · 4.625%
HK$106,866
+HK$5,351/mo
Deposit HK$12.66M · loan HK$18.98M · min. income ≈ HK$203,030/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,002
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$104,144
−HK$3,192/mo
Today · 4.125%
HK$107,336
baseline
▲ 0.50% · 4.625%
HK$113,867
+HK$6,531/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$214,672/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,364
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$115,377
−HK$3,057/mo
Today · 4.125%
HK$118,434
baseline
▲ 0.50% · 4.625%
HK$124,677
+HK$6,243/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$236,868/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,860
−HK$8,143/mo
▼ 0.25% · 3.875%
HK$133,899
−HK$4,104/mo
Today · 4.125%
HK$138,003
baseline
▲ 0.50% · 4.625%
HK$146,400
+HK$8,397/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$276,006/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,468
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$148,342
−HK$3,931/mo
Today · 4.125%
HK$152,273
baseline
▲ 0.50% · 4.625%
HK$160,299
+HK$8,026/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$304,546/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,645 · Scale 2, in force from 26 Feb 2026)