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$71,884
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,120
−HK$2,271/mo
Today · 4.125%
HK$76,391
baseline
▲ 0.50% · 4.625%
HK$81,039
+HK$4,648/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$152,782/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,970
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,114
−HK$2,176/mo
Today · 4.125%
HK$84,290
baseline
▲ 0.50% · 4.625%
HK$88,733
+HK$4,443/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$168,580/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,260
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,943
−HK$2,727/mo
Today · 4.125%
HK$91,670
baseline
▲ 0.50% · 4.625%
HK$97,247
+HK$5,577/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$183,340/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,964
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$98,537
−HK$2,611/mo
Today · 4.125%
HK$101,148
baseline
▲ 0.50% · 4.625%
HK$106,480
+HK$5,332/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$202,296/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,637
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$103,767
−HK$3,181/mo
Today · 4.125%
HK$106,948
baseline
▲ 0.50% · 4.625%
HK$113,455
+HK$6,507/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$213,896/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,958
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$114,960
−HK$3,046/mo
Today · 4.125%
HK$118,006
baseline
▲ 0.50% · 4.625%
HK$124,227
+HK$6,221/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$236,012/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,390
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$133,415
−HK$4,089/mo
Today · 4.125%
HK$137,504
baseline
▲ 0.50% · 4.625%
HK$145,871
+HK$8,367/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$275,008/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,945
−HK$7,777/mo
▼ 0.25% · 3.875%
HK$147,806
−HK$3,916/mo
Today · 4.125%
HK$151,722
baseline
▲ 0.50% · 4.625%
HK$159,720
+HK$7,998/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$303,444/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,784 · Scale 2, in force from 26 Feb 2026)