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$72,154
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,398
−HK$2,280/mo
Today · 4.125%
HK$76,678
baseline
▲ 0.50% · 4.625%
HK$81,344
+HK$4,666/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$153,356/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,344,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,270
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,423
−HK$2,184/mo
Today · 4.125%
HK$84,607
baseline
▲ 0.50% · 4.625%
HK$89,067
+HK$4,460/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$169,214/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,344,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,584
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,278
−HK$2,736/mo
Today · 4.125%
HK$92,014
baseline
▲ 0.50% · 4.625%
HK$97,613
+HK$5,599/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$184,028/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,324
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,908
−HK$2,620/mo
Today · 4.125%
HK$101,528
baseline
▲ 0.50% · 4.625%
HK$106,880
+HK$5,352/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$203,056/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,015
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$104,157
−HK$3,193/mo
Today · 4.125%
HK$107,350
baseline
▲ 0.50% · 4.625%
HK$113,882
+HK$6,532/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$214,700/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,378
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$115,392
−HK$3,058/mo
Today · 4.125%
HK$118,450
baseline
▲ 0.50% · 4.625%
HK$124,693
+HK$6,243/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$236,900/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,877
−HK$8,144/mo
▼ 0.25% · 3.875%
HK$133,917
−HK$4,104/mo
Today · 4.125%
HK$138,021
baseline
▲ 0.50% · 4.625%
HK$146,419
+HK$8,398/mo
Deposit HK$3.16M · loan HK$28.48M · min. income ≈ HK$276,042/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,486
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$148,361
−HK$3,932/mo
Today · 4.125%
HK$152,293
baseline
▲ 0.50% · 4.625%
HK$160,320
+HK$8,027/mo
Deposit HK$3.16M · loan HK$28.48M · min. income ≈ HK$304,586/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,819 · Scale 2, in force from 26 Feb 2026)