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$72,037
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,277
−HK$2,277/mo
Today · 4.125%
HK$76,554
baseline
▲ 0.50% · 4.625%
HK$81,212
+HK$4,658/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$153,108/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,140
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,289
−HK$2,181/mo
Today · 4.125%
HK$84,470
baseline
▲ 0.50% · 4.625%
HK$88,922
+HK$4,452/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$168,940/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,444
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,133
−HK$2,732/mo
Today · 4.125%
HK$91,865
baseline
▲ 0.50% · 4.625%
HK$97,454
+HK$5,589/mo
Deposit HK$12.64M · loan HK$18.95M · min. income ≈ HK$183,730/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,168
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,747
−HK$2,617/mo
Today · 4.125%
HK$101,364
baseline
▲ 0.50% · 4.625%
HK$106,707
+HK$5,343/mo
Deposit HK$12.64M · loan HK$18.95M · min. income ≈ HK$202,728/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,851
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,988
−HK$3,187/mo
Today · 4.125%
HK$107,175
baseline
▲ 0.50% · 4.625%
HK$113,697
+HK$6,522/mo
Deposit HK$9.48M · loan HK$22.11M · min. income ≈ HK$214,350/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,196
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$115,205
−HK$3,052/mo
Today · 4.125%
HK$118,257
baseline
▲ 0.50% · 4.625%
HK$124,491
+HK$6,234/mo
Deposit HK$9.48M · loan HK$22.11M · min. income ≈ HK$236,514/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,666
−HK$8,131/mo
▼ 0.25% · 3.875%
HK$133,699
−HK$4,098/mo
Today · 4.125%
HK$137,797
baseline
▲ 0.50% · 4.625%
HK$146,182
+HK$8,385/mo
Deposit HK$3.16M · loan HK$28.43M · min. income ≈ HK$275,594/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,252
−HK$7,793/mo
▼ 0.25% · 3.875%
HK$148,121
−HK$3,924/mo
Today · 4.125%
HK$152,045
baseline
▲ 0.50% · 4.625%
HK$160,060
+HK$8,015/mo
Deposit HK$3.16M · loan HK$28.43M · min. income ≈ HK$304,090/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,635 · Scale 2, in force from 26 Feb 2026)