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$71,987
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,227
−HK$2,275/mo
Today · 4.125%
HK$76,502
baseline
▲ 0.50% · 4.625%
HK$81,157
+HK$4,655/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$153,004/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,341,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,085
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,233
−HK$2,179/mo
Today · 4.125%
HK$84,412
baseline
▲ 0.50% · 4.625%
HK$88,861
+HK$4,449/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$168,824/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,341,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,385
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$89,072
−HK$2,730/mo
Today · 4.125%
HK$91,802
baseline
▲ 0.50% · 4.625%
HK$97,388
+HK$5,586/mo
Deposit HK$12.63M · loan HK$18.94M · min. income ≈ HK$183,604/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,102
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,680
−HK$2,614/mo
Today · 4.125%
HK$101,294
baseline
▲ 0.50% · 4.625%
HK$106,634
+HK$5,340/mo
Deposit HK$12.63M · loan HK$18.94M · min. income ≈ HK$202,588/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,782
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,917
−HK$3,185/mo
Today · 4.125%
HK$107,102
baseline
▲ 0.50% · 4.625%
HK$113,619
+HK$6,517/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$214,204/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,119
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$115,126
−HK$3,051/mo
Today · 4.125%
HK$118,177
baseline
▲ 0.50% · 4.625%
HK$124,406
+HK$6,229/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$236,354/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,577
−HK$8,126/mo
▼ 0.25% · 3.875%
HK$133,608
−HK$4,095/mo
Today · 4.125%
HK$137,703
baseline
▲ 0.50% · 4.625%
HK$146,082
+HK$8,379/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$275,406/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,153
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$148,019
−HK$3,923/mo
Today · 4.125%
HK$151,942
baseline
▲ 0.50% · 4.625%
HK$159,951
+HK$8,009/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$303,884/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,719 · Scale 2, in force from 26 Feb 2026)