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$72,007
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,247
−HK$2,275/mo
Today · 4.125%
HK$76,522
baseline
▲ 0.50% · 4.625%
HK$81,178
+HK$4,656/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$153,044/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,342,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,107
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,255
−HK$2,180/mo
Today · 4.125%
HK$84,435
baseline
▲ 0.50% · 4.625%
HK$88,885
+HK$4,450/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$168,870/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,342,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,408
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,096
−HK$2,731/mo
Today · 4.125%
HK$91,827
baseline
▲ 0.50% · 4.625%
HK$97,414
+HK$5,587/mo
Deposit HK$12.63M · loan HK$18.95M · min. income ≈ HK$183,654/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,342,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,128
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$98,706
−HK$2,616/mo
Today · 4.125%
HK$101,322
baseline
▲ 0.50% · 4.625%
HK$106,662
+HK$5,340/mo
Deposit HK$12.63M · loan HK$18.95M · min. income ≈ HK$202,644/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,342,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,809
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$103,945
−HK$3,186/mo
Today · 4.125%
HK$107,131
baseline
▲ 0.50% · 4.625%
HK$113,650
+HK$6,519/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$214,262/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,149
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$115,157
−HK$3,052/mo
Today · 4.125%
HK$118,209
baseline
▲ 0.50% · 4.625%
HK$124,439
+HK$6,230/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$236,418/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,612
−HK$8,128/mo
▼ 0.25% · 3.875%
HK$133,644
−HK$4,096/mo
Today · 4.125%
HK$137,740
baseline
▲ 0.50% · 4.625%
HK$146,121
+HK$8,381/mo
Deposit HK$3.16M · loan HK$28.42M · min. income ≈ HK$275,480/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,192
−HK$7,790/mo
▼ 0.25% · 3.875%
HK$148,059
−HK$3,923/mo
Today · 4.125%
HK$151,982
baseline
▲ 0.50% · 4.625%
HK$159,994
+HK$8,012/mo
Deposit HK$3.16M · loan HK$28.42M · min. income ≈ HK$303,964/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,080 · Scale 2, in force from 26 Feb 2026)