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$71,952
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,190
−HK$2,274/mo
Today · 4.125%
HK$76,464
baseline
▲ 0.50% · 4.625%
HK$81,117
+HK$4,653/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$152,928/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,341,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,046
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,193
−HK$2,177/mo
Today · 4.125%
HK$84,370
baseline
▲ 0.50% · 4.625%
HK$88,818
+HK$4,448/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$168,740/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,341,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,342
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$89,028
−HK$2,729/mo
Today · 4.125%
HK$91,757
baseline
▲ 0.50% · 4.625%
HK$97,340
+HK$5,583/mo
Deposit HK$12.62M · loan HK$18.93M · min. income ≈ HK$183,514/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,341,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,055
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$98,631
−HK$2,613/mo
Today · 4.125%
HK$101,244
baseline
▲ 0.50% · 4.625%
HK$106,581
+HK$5,337/mo
Deposit HK$12.62M · loan HK$18.93M · min. income ≈ HK$202,488/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,341,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,733
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$103,866
−HK$3,183/mo
Today · 4.125%
HK$107,049
baseline
▲ 0.50% · 4.625%
HK$113,563
+HK$6,514/mo
Deposit HK$9.47M · loan HK$22.09M · min. income ≈ HK$214,098/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,064
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,070
−HK$3,049/mo
Today · 4.125%
HK$118,119
baseline
▲ 0.50% · 4.625%
HK$124,345
+HK$6,226/mo
Deposit HK$9.47M · loan HK$22.09M · min. income ≈ HK$236,238/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,513
−HK$8,122/mo
▼ 0.25% · 3.875%
HK$133,542
−HK$4,093/mo
Today · 4.125%
HK$137,635
baseline
▲ 0.50% · 4.625%
HK$146,010
+HK$8,375/mo
Deposit HK$3.16M · loan HK$28.40M · min. income ≈ HK$275,270/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,082
−HK$7,785/mo
▼ 0.25% · 3.875%
HK$147,947
−HK$3,920/mo
Today · 4.125%
HK$151,867
baseline
▲ 0.50% · 4.625%
HK$159,872
+HK$8,005/mo
Deposit HK$3.16M · loan HK$28.40M · min. income ≈ HK$303,734/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,058 · Scale 2, in force from 26 Feb 2026)