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$72,238
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,485
−HK$2,283/mo
Today · 4.125%
HK$76,768
baseline
▲ 0.50% · 4.625%
HK$81,439
+HK$4,671/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$153,536/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,346,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,364
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,519
−HK$2,187/mo
Today · 4.125%
HK$84,706
baseline
▲ 0.50% · 4.625%
HK$89,171
+HK$4,465/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$169,412/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,346,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,685
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,382
−HK$2,739/mo
Today · 4.125%
HK$92,121
baseline
▲ 0.50% · 4.625%
HK$97,727
+HK$5,606/mo
Deposit HK$12.67M · loan HK$19.01M · min. income ≈ HK$184,242/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,437
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,023
−HK$2,624/mo
Today · 4.125%
HK$101,647
baseline
▲ 0.50% · 4.625%
HK$107,005
+HK$5,358/mo
Deposit HK$12.67M · loan HK$19.01M · min. income ≈ HK$203,294/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,133
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$104,279
−HK$3,196/mo
Today · 4.125%
HK$107,475
baseline
▲ 0.50% · 4.625%
HK$114,015
+HK$6,540/mo
Deposit HK$9.50M · loan HK$22.18M · min. income ≈ HK$214,950/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,509
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$115,527
−HK$3,061/mo
Today · 4.125%
HK$118,588
baseline
▲ 0.50% · 4.625%
HK$124,839
+HK$6,251/mo
Deposit HK$9.50M · loan HK$22.18M · min. income ≈ HK$237,176/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,028
−HK$8,154/mo
▼ 0.25% · 3.875%
HK$134,073
−HK$4,109/mo
Today · 4.125%
HK$138,182
baseline
▲ 0.50% · 4.625%
HK$146,590
+HK$8,408/mo
Deposit HK$3.17M · loan HK$28.51M · min. income ≈ HK$276,364/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,346,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,655
−HK$7,815/mo
▼ 0.25% · 3.875%
HK$148,535
−HK$3,935/mo
Today · 4.125%
HK$152,470
baseline
▲ 0.50% · 4.625%
HK$160,507
+HK$8,037/mo
Deposit HK$3.17M · loan HK$28.51M · min. income ≈ HK$304,940/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,346,388 · Scale 2, in force from 26 Feb 2026)