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$71,978
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,216
−HK$2,275/mo
Today · 4.125%
HK$76,491
baseline
▲ 0.50% · 4.625%
HK$81,146
+HK$4,655/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$152,982/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,341,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,074
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,222
−HK$2,178/mo
Today · 4.125%
HK$84,400
baseline
▲ 0.50% · 4.625%
HK$88,849
+HK$4,449/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$168,800/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,341,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,373
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,060
−HK$2,729/mo
Today · 4.125%
HK$91,789
baseline
▲ 0.50% · 4.625%
HK$97,375
+HK$5,586/mo
Deposit HK$12.63M · loan HK$18.94M · min. income ≈ HK$183,578/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,089
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,666
−HK$2,615/mo
Today · 4.125%
HK$101,281
baseline
▲ 0.50% · 4.625%
HK$106,619
+HK$5,338/mo
Deposit HK$12.63M · loan HK$18.94M · min. income ≈ HK$202,562/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,769
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$103,903
−HK$3,185/mo
Today · 4.125%
HK$107,088
baseline
▲ 0.50% · 4.625%
HK$113,604
+HK$6,516/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$214,176/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,104
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$115,111
−HK$3,050/mo
Today · 4.125%
HK$118,161
baseline
▲ 0.50% · 4.625%
HK$124,389
+HK$6,228/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$236,322/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,560
−HK$8,124/mo
▼ 0.25% · 3.875%
HK$133,590
−HK$4,094/mo
Today · 4.125%
HK$137,684
baseline
▲ 0.50% · 4.625%
HK$146,062
+HK$8,378/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$275,368/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,134
−HK$7,787/mo
▼ 0.25% · 3.875%
HK$147,999
−HK$3,922/mo
Today · 4.125%
HK$151,921
baseline
▲ 0.50% · 4.625%
HK$159,929
+HK$8,008/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$303,842/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,537 · Scale 2, in force from 26 Feb 2026)