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$71,922
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,159
−HK$2,273/mo
Today · 4.125%
HK$76,432
baseline
▲ 0.50% · 4.625%
HK$81,083
+HK$4,651/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$152,864/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,013
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,159
−HK$2,177/mo
Today · 4.125%
HK$84,336
baseline
▲ 0.50% · 4.625%
HK$88,781
+HK$4,445/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$168,672/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,307
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,991
−HK$2,728/mo
Today · 4.125%
HK$91,719
baseline
▲ 0.50% · 4.625%
HK$97,300
+HK$5,581/mo
Deposit HK$12.62M · loan HK$18.92M · min. income ≈ HK$183,438/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,015
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,590
−HK$2,613/mo
Today · 4.125%
HK$101,203
baseline
▲ 0.50% · 4.625%
HK$106,537
+HK$5,334/mo
Deposit HK$12.62M · loan HK$18.92M · min. income ≈ HK$202,406/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,691
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$103,823
−HK$3,182/mo
Today · 4.125%
HK$107,005
baseline
▲ 0.50% · 4.625%
HK$113,516
+HK$6,511/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$214,010/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,018
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$115,022
−HK$3,048/mo
Today · 4.125%
HK$118,070
baseline
▲ 0.50% · 4.625%
HK$124,294
+HK$6,224/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$236,140/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,460
−HK$8,118/mo
▼ 0.25% · 3.875%
HK$133,487
−HK$4,091/mo
Today · 4.125%
HK$137,578
baseline
▲ 0.50% · 4.625%
HK$145,950
+HK$8,372/mo
Deposit HK$3.15M · loan HK$28.39M · min. income ≈ HK$275,156/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,023
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$147,886
−HK$3,918/mo
Today · 4.125%
HK$151,804
baseline
▲ 0.50% · 4.625%
HK$159,806
+HK$8,002/mo
Deposit HK$3.15M · loan HK$28.39M · min. income ≈ HK$303,608/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,506 · Scale 2, in force from 26 Feb 2026)