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$72,130
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,373
−HK$2,280/mo
Today · 4.125%
HK$76,653
baseline
▲ 0.50% · 4.625%
HK$81,317
+HK$4,664/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$153,306/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,244
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,396
−HK$2,183/mo
Today · 4.125%
HK$84,579
baseline
▲ 0.50% · 4.625%
HK$89,037
+HK$4,458/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$169,158/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,556
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,248
−HK$2,735/mo
Today · 4.125%
HK$91,983
baseline
▲ 0.50% · 4.625%
HK$97,580
+HK$5,597/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$183,966/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,292
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,875
−HK$2,620/mo
Today · 4.125%
HK$101,495
baseline
▲ 0.50% · 4.625%
HK$106,845
+HK$5,350/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$202,990/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,982
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$104,123
−HK$3,191/mo
Today · 4.125%
HK$107,314
baseline
▲ 0.50% · 4.625%
HK$113,844
+HK$6,530/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$214,628/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,341
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$115,354
−HK$3,056/mo
Today · 4.125%
HK$118,410
baseline
▲ 0.50% · 4.625%
HK$124,652
+HK$6,242/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$236,820/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,833
−HK$8,142/mo
▼ 0.25% · 3.875%
HK$133,872
−HK$4,103/mo
Today · 4.125%
HK$137,975
baseline
▲ 0.50% · 4.625%
HK$146,371
+HK$8,396/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$275,950/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,438
−HK$7,804/mo
▼ 0.25% · 3.875%
HK$148,312
−HK$3,930/mo
Today · 4.125%
HK$152,242
baseline
▲ 0.50% · 4.625%
HK$160,267
+HK$8,025/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$304,484/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,371 · Scale 2, in force from 26 Feb 2026)