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$71,800
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,033
−HK$2,270/mo
Today · 4.125%
HK$76,303
baseline
▲ 0.50% · 4.625%
HK$80,945
+HK$4,642/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$152,606/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,338,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,877
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,019
−HK$2,173/mo
Today · 4.125%
HK$84,192
baseline
▲ 0.50% · 4.625%
HK$88,630
+HK$4,438/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$168,384/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,338,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,160
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$88,840
−HK$2,723/mo
Today · 4.125%
HK$91,563
baseline
▲ 0.50% · 4.625%
HK$97,134
+HK$5,571/mo
Deposit HK$12.60M · loan HK$18.89M · min. income ≈ HK$183,126/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,338,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,852
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$98,423
−HK$2,608/mo
Today · 4.125%
HK$101,031
baseline
▲ 0.50% · 4.625%
HK$106,356
+HK$5,325/mo
Deposit HK$12.60M · loan HK$18.89M · min. income ≈ HK$202,062/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,338,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,520
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$103,647
−HK$3,177/mo
Today · 4.125%
HK$106,824
baseline
▲ 0.50% · 4.625%
HK$113,323
+HK$6,499/mo
Deposit HK$9.45M · loan HK$22.04M · min. income ≈ HK$213,648/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,338,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,828
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$114,827
−HK$3,042/mo
Today · 4.125%
HK$117,869
baseline
▲ 0.50% · 4.625%
HK$124,082
+HK$6,213/mo
Deposit HK$9.45M · loan HK$22.04M · min. income ≈ HK$235,738/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,338,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,240
−HK$8,105/mo
▼ 0.25% · 3.875%
HK$133,260
−HK$4,085/mo
Today · 4.125%
HK$137,345
baseline
▲ 0.50% · 4.625%
HK$145,702
+HK$8,357/mo
Deposit HK$3.15M · loan HK$28.34M · min. income ≈ HK$274,690/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,778
−HK$7,768/mo
▼ 0.25% · 3.875%
HK$147,634
−HK$3,912/mo
Today · 4.125%
HK$151,546
baseline
▲ 0.50% · 4.625%
HK$159,534
+HK$7,988/mo
Deposit HK$3.15M · loan HK$28.34M · min. income ≈ HK$303,092/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,228 · Scale 2, in force from 26 Feb 2026)