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$71,909
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,145
−HK$2,273/mo
Today · 4.125%
HK$76,418
baseline
▲ 0.50% · 4.625%
HK$81,068
+HK$4,650/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$152,836/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,998
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,143
−HK$2,177/mo
Today · 4.125%
HK$84,320
baseline
▲ 0.50% · 4.625%
HK$88,764
+HK$4,444/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$168,640/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,290
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,975
−HK$2,727/mo
Today · 4.125%
HK$91,702
baseline
▲ 0.50% · 4.625%
HK$97,281
+HK$5,579/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$183,404/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,340,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,997
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$98,572
−HK$2,612/mo
Today · 4.125%
HK$101,184
baseline
▲ 0.50% · 4.625%
HK$106,517
+HK$5,333/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$202,368/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,340,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,672
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$103,804
−HK$3,181/mo
Today · 4.125%
HK$106,985
baseline
▲ 0.50% · 4.625%
HK$113,495
+HK$6,510/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$213,970/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,997
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$115,000
−HK$3,048/mo
Today · 4.125%
HK$118,048
baseline
▲ 0.50% · 4.625%
HK$124,270
+HK$6,222/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$236,096/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,436
−HK$8,116/mo
▼ 0.25% · 3.875%
HK$133,462
−HK$4,090/mo
Today · 4.125%
HK$137,552
baseline
▲ 0.50% · 4.625%
HK$145,922
+HK$8,370/mo
Deposit HK$3.15M · loan HK$28.38M · min. income ≈ HK$275,104/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,996
−HK$7,779/mo
▼ 0.25% · 3.875%
HK$147,858
−HK$3,917/mo
Today · 4.125%
HK$151,775
baseline
▲ 0.50% · 4.625%
HK$159,776
+HK$8,001/mo
Deposit HK$3.15M · loan HK$28.38M · min. income ≈ HK$303,550/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,253 · Scale 2, in force from 26 Feb 2026)