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$71,708
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,938
−HK$2,266/mo
Today · 4.125%
HK$76,204
baseline
▲ 0.50% · 4.625%
HK$80,841
+HK$4,637/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$152,408/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,774
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,914
−HK$2,170/mo
Today · 4.125%
HK$84,084
baseline
▲ 0.50% · 4.625%
HK$88,516
+HK$4,432/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$168,168/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,049
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,726
−HK$2,719/mo
Today · 4.125%
HK$91,445
baseline
▲ 0.50% · 4.625%
HK$97,010
+HK$5,565/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$182,890/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,729
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,296
−HK$2,605/mo
Today · 4.125%
HK$100,901
baseline
▲ 0.50% · 4.625%
HK$106,220
+HK$5,319/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$201,802/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,391
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$103,514
−HK$3,172/mo
Today · 4.125%
HK$106,686
baseline
▲ 0.50% · 4.625%
HK$113,178
+HK$6,492/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$213,372/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,684
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$114,679
−HK$3,039/mo
Today · 4.125%
HK$117,718
baseline
▲ 0.50% · 4.625%
HK$123,923
+HK$6,205/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$235,436/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,074
−HK$8,094/mo
▼ 0.25% · 3.875%
HK$133,089
−HK$4,079/mo
Today · 4.125%
HK$137,168
baseline
▲ 0.50% · 4.625%
HK$145,514
+HK$8,346/mo
Deposit HK$3.14M · loan HK$28.30M · min. income ≈ HK$274,336/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,594
−HK$7,757/mo
▼ 0.25% · 3.875%
HK$147,445
−HK$3,906/mo
Today · 4.125%
HK$151,351
baseline
▲ 0.50% · 4.625%
HK$159,329
+HK$7,978/mo
Deposit HK$3.14M · loan HK$28.30M · min. income ≈ HK$302,702/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,508 · Scale 2, in force from 26 Feb 2026)