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$72,224
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,470
−HK$2,283/mo
Today · 4.125%
HK$76,753
baseline
▲ 0.50% · 4.625%
HK$81,423
+HK$4,670/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$153,506/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,346,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,348
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,503
−HK$2,186/mo
Today · 4.125%
HK$84,689
baseline
▲ 0.50% · 4.625%
HK$89,153
+HK$4,464/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$169,378/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,346,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,668
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$89,364
−HK$2,739/mo
Today · 4.125%
HK$92,103
baseline
▲ 0.50% · 4.625%
HK$97,707
+HK$5,604/mo
Deposit HK$12.67M · loan HK$19.00M · min. income ≈ HK$184,206/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,418
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$99,003
−HK$2,624/mo
Today · 4.125%
HK$101,627
baseline
▲ 0.50% · 4.625%
HK$106,984
+HK$5,357/mo
Deposit HK$12.67M · loan HK$19.00M · min. income ≈ HK$203,254/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,113
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$104,258
−HK$3,196/mo
Today · 4.125%
HK$107,454
baseline
▲ 0.50% · 4.625%
HK$113,992
+HK$6,538/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$214,908/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,487
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$115,504
−HK$3,061/mo
Today · 4.125%
HK$118,565
baseline
▲ 0.50% · 4.625%
HK$124,814
+HK$6,249/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$237,130/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,002
−HK$8,153/mo
▼ 0.25% · 3.875%
HK$134,046
−HK$4,109/mo
Today · 4.125%
HK$138,155
baseline
▲ 0.50% · 4.625%
HK$146,561
+HK$8,406/mo
Deposit HK$3.17M · loan HK$28.51M · min. income ≈ HK$276,310/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,346,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,626
−HK$7,814/mo
▼ 0.25% · 3.875%
HK$148,505
−HK$3,935/mo
Today · 4.125%
HK$152,440
baseline
▲ 0.50% · 4.625%
HK$160,475
+HK$8,035/mo
Deposit HK$3.17M · loan HK$28.51M · min. income ≈ HK$304,880/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,346,122 · Scale 2, in force from 26 Feb 2026)