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$71,761
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$73,993
−HK$2,268/mo
Today · 4.125%
HK$76,261
baseline
▲ 0.50% · 4.625%
HK$80,901
+HK$4,640/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$152,522/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,833
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,974
−HK$2,172/mo
Today · 4.125%
HK$84,146
baseline
▲ 0.50% · 4.625%
HK$88,582
+HK$4,436/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$168,292/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,113
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,792
−HK$2,721/mo
Today · 4.125%
HK$91,513
baseline
▲ 0.50% · 4.625%
HK$97,081
+HK$5,568/mo
Deposit HK$12.59M · loan HK$18.88M · min. income ≈ HK$183,026/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,800
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,369
−HK$2,607/mo
Today · 4.125%
HK$100,976
baseline
▲ 0.50% · 4.625%
HK$106,298
+HK$5,322/mo
Deposit HK$12.59M · loan HK$18.88M · min. income ≈ HK$201,952/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,465
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$103,590
−HK$3,175/mo
Today · 4.125%
HK$106,765
baseline
▲ 0.50% · 4.625%
HK$113,262
+HK$6,497/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$213,530/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,766
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,764
−HK$3,041/mo
Today · 4.125%
HK$117,805
baseline
▲ 0.50% · 4.625%
HK$124,015
+HK$6,210/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$235,610/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,169
−HK$8,101/mo
▼ 0.25% · 3.875%
HK$133,187
−HK$4,083/mo
Today · 4.125%
HK$137,270
baseline
▲ 0.50% · 4.625%
HK$145,622
+HK$8,352/mo
Deposit HK$3.15M · loan HK$28.32M · min. income ≈ HK$274,540/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,337,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,700
−HK$7,763/mo
▼ 0.25% · 3.875%
HK$147,554
−HK$3,909/mo
Today · 4.125%
HK$151,463
baseline
▲ 0.50% · 4.625%
HK$159,447
+HK$7,984/mo
Deposit HK$3.15M · loan HK$28.32M · min. income ≈ HK$302,926/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,337,497 · Scale 2, in force from 26 Feb 2026)