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$72,099
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,341
−HK$2,279/mo
Today · 4.125%
HK$76,620
baseline
▲ 0.50% · 4.625%
HK$81,282
+HK$4,662/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$153,240/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,209
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,360
−HK$2,182/mo
Today · 4.125%
HK$84,542
baseline
▲ 0.50% · 4.625%
HK$88,999
+HK$4,457/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$169,084/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,518
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$89,210
−HK$2,734/mo
Today · 4.125%
HK$91,944
baseline
▲ 0.50% · 4.625%
HK$97,538
+HK$5,594/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$183,888/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,251
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,832
−HK$2,619/mo
Today · 4.125%
HK$101,451
baseline
▲ 0.50% · 4.625%
HK$106,799
+HK$5,348/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$202,902/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,938
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$104,078
−HK$3,190/mo
Today · 4.125%
HK$107,268
baseline
▲ 0.50% · 4.625%
HK$113,795
+HK$6,527/mo
Deposit HK$9.49M · loan HK$22.13M · min. income ≈ HK$214,536/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,293
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$115,304
−HK$3,055/mo
Today · 4.125%
HK$118,359
baseline
▲ 0.50% · 4.625%
HK$124,598
+HK$6,239/mo
Deposit HK$9.49M · loan HK$22.13M · min. income ≈ HK$236,718/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,778
−HK$8,138/mo
▼ 0.25% · 3.875%
HK$133,814
−HK$4,102/mo
Today · 4.125%
HK$137,916
baseline
▲ 0.50% · 4.625%
HK$146,308
+HK$8,392/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$275,832/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,343,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,376
−HK$7,800/mo
▼ 0.25% · 3.875%
HK$148,248
−HK$3,928/mo
Today · 4.125%
HK$152,176
baseline
▲ 0.50% · 4.625%
HK$160,198
+HK$8,022/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$304,352/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,343,794 · Scale 2, in force from 26 Feb 2026)