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$72,188
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,434
−HK$2,281/mo
Today · 4.125%
HK$76,715
baseline
▲ 0.50% · 4.625%
HK$81,383
+HK$4,668/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$153,430/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,345,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,309
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,463
−HK$2,185/mo
Today · 4.125%
HK$84,648
baseline
▲ 0.50% · 4.625%
HK$89,109
+HK$4,461/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$169,296/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,345,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,626
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,320
−HK$2,738/mo
Today · 4.125%
HK$92,058
baseline
▲ 0.50% · 4.625%
HK$97,660
+HK$5,602/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$184,116/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,370
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$98,955
−HK$2,622/mo
Today · 4.125%
HK$101,577
baseline
▲ 0.50% · 4.625%
HK$106,931
+HK$5,354/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$203,154/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,064
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$104,207
−HK$3,194/mo
Today · 4.125%
HK$107,401
baseline
▲ 0.50% · 4.625%
HK$113,936
+HK$6,535/mo
Deposit HK$9.50M · loan HK$22.16M · min. income ≈ HK$214,802/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,345,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,432
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$115,448
−HK$3,059/mo
Today · 4.125%
HK$118,507
baseline
▲ 0.50% · 4.625%
HK$124,753
+HK$6,246/mo
Deposit HK$9.50M · loan HK$22.16M · min. income ≈ HK$237,014/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,345,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,939
−HK$8,148/mo
▼ 0.25% · 3.875%
HK$133,981
−HK$4,106/mo
Today · 4.125%
HK$138,087
baseline
▲ 0.50% · 4.625%
HK$146,489
+HK$8,402/mo
Deposit HK$3.17M · loan HK$28.49M · min. income ≈ HK$276,174/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,556
−HK$7,810/mo
▼ 0.25% · 3.875%
HK$148,433
−HK$3,933/mo
Today · 4.125%
HK$152,366
baseline
▲ 0.50% · 4.625%
HK$160,397
+HK$8,031/mo
Deposit HK$3.17M · loan HK$28.49M · min. income ≈ HK$304,732/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,464 · Scale 2, in force from 26 Feb 2026)