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$72,427
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,680
−HK$2,289/mo
Today · 4.125%
HK$76,969
baseline
▲ 0.50% · 4.625%
HK$81,652
+HK$4,683/mo
Deposit HK$15.88M · loan HK$15.88M · min. income ≈ HK$153,938/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,349,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,575
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,736
−HK$2,192/mo
Today · 4.125%
HK$84,928
baseline
▲ 0.50% · 4.625%
HK$89,404
+HK$4,476/mo
Deposit HK$15.88M · loan HK$15.88M · min. income ≈ HK$169,856/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,349,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,913
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,616
−HK$2,747/mo
Today · 4.125%
HK$92,363
baseline
▲ 0.50% · 4.625%
HK$97,983
+HK$5,620/mo
Deposit HK$12.71M · loan HK$19.06M · min. income ≈ HK$184,726/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,349,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,689
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$99,283
−HK$2,630/mo
Today · 4.125%
HK$101,913
baseline
▲ 0.50% · 4.625%
HK$107,285
+HK$5,372/mo
Deposit HK$12.71M · loan HK$19.06M · min. income ≈ HK$203,826/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,349,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,398
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,552
−HK$3,205/mo
Today · 4.125%
HK$107,757
baseline
▲ 0.50% · 4.625%
HK$114,313
+HK$6,556/mo
Deposit HK$9.53M · loan HK$22.23M · min. income ≈ HK$215,514/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,349,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,804
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,830
−HK$3,069/mo
Today · 4.125%
HK$118,899
baseline
▲ 0.50% · 4.625%
HK$125,166
+HK$6,267/mo
Deposit HK$9.53M · loan HK$22.23M · min. income ≈ HK$237,798/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,349,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,369
−HK$8,175/mo
▼ 0.25% · 3.875%
HK$134,424
−HK$4,120/mo
Today · 4.125%
HK$138,544
baseline
▲ 0.50% · 4.625%
HK$146,974
+HK$8,430/mo
Deposit HK$3.18M · loan HK$28.59M · min. income ≈ HK$277,088/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,349,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,034
−HK$7,836/mo
▼ 0.25% · 3.875%
HK$148,924
−HK$3,946/mo
Today · 4.125%
HK$152,870
baseline
▲ 0.50% · 4.625%
HK$160,928
+HK$8,058/mo
Deposit HK$3.18M · loan HK$28.59M · min. income ≈ HK$305,740/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,349,917 · Scale 2, in force from 26 Feb 2026)