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$72,113
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,356
−HK$2,279/mo
Today · 4.125%
HK$76,635
baseline
▲ 0.50% · 4.625%
HK$81,299
+HK$4,664/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$153,270/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,225
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,377
−HK$2,183/mo
Today · 4.125%
HK$84,560
baseline
▲ 0.50% · 4.625%
HK$89,017
+HK$4,457/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$169,120/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,536
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,228
−HK$2,735/mo
Today · 4.125%
HK$91,963
baseline
▲ 0.50% · 4.625%
HK$97,558
+HK$5,595/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$183,926/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,344,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,270
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$98,852
−HK$2,620/mo
Today · 4.125%
HK$101,472
baseline
▲ 0.50% · 4.625%
HK$106,820
+HK$5,348/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$202,944/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,344,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,959
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$104,099
−HK$3,191/mo
Today · 4.125%
HK$107,290
baseline
▲ 0.50% · 4.625%
HK$113,818
+HK$6,528/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$214,580/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,316
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$115,328
−HK$3,056/mo
Today · 4.125%
HK$118,384
baseline
▲ 0.50% · 4.625%
HK$124,624
+HK$6,240/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$236,768/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,804
−HK$8,140/mo
▼ 0.25% · 3.875%
HK$133,842
−HK$4,102/mo
Today · 4.125%
HK$137,944
baseline
▲ 0.50% · 4.625%
HK$146,337
+HK$8,393/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$275,888/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,406
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$148,279
−HK$3,928/mo
Today · 4.125%
HK$152,207
baseline
▲ 0.50% · 4.625%
HK$160,231
+HK$8,024/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$304,414/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,067 · Scale 2, in force from 26 Feb 2026)