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$72,176
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,422
−HK$2,281/mo
Today · 4.125%
HK$76,703
baseline
▲ 0.50% · 4.625%
HK$81,370
+HK$4,667/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$153,406/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,345,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,296
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,449
−HK$2,185/mo
Today · 4.125%
HK$84,634
baseline
▲ 0.50% · 4.625%
HK$89,095
+HK$4,461/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$169,268/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,345,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,612
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$89,306
−HK$2,737/mo
Today · 4.125%
HK$92,043
baseline
▲ 0.50% · 4.625%
HK$97,644
+HK$5,601/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$184,086/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,355
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$98,939
−HK$2,621/mo
Today · 4.125%
HK$101,560
baseline
▲ 0.50% · 4.625%
HK$106,914
+HK$5,354/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$203,120/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,047
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$104,190
−HK$3,194/mo
Today · 4.125%
HK$107,384
baseline
▲ 0.50% · 4.625%
HK$113,918
+HK$6,534/mo
Deposit HK$9.50M · loan HK$22.16M · min. income ≈ HK$214,768/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,345,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,414
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$115,429
−HK$3,058/mo
Today · 4.125%
HK$118,487
baseline
▲ 0.50% · 4.625%
HK$124,733
+HK$6,246/mo
Deposit HK$9.50M · loan HK$22.16M · min. income ≈ HK$236,974/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,345,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,918
−HK$8,147/mo
▼ 0.25% · 3.875%
HK$133,959
−HK$4,106/mo
Today · 4.125%
HK$138,065
baseline
▲ 0.50% · 4.625%
HK$146,465
+HK$8,400/mo
Deposit HK$3.17M · loan HK$28.49M · min. income ≈ HK$276,130/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,532
−HK$7,809/mo
▼ 0.25% · 3.875%
HK$148,408
−HK$3,933/mo
Today · 4.125%
HK$152,341
baseline
▲ 0.50% · 4.625%
HK$160,371
+HK$8,030/mo
Deposit HK$3.17M · loan HK$28.49M · min. income ≈ HK$304,682/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,243 · Scale 2, in force from 26 Feb 2026)