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$72,148
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,392
−HK$2,280/mo
Today · 4.125%
HK$76,672
baseline
▲ 0.50% · 4.625%
HK$81,338
+HK$4,666/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$153,344/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,264
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,417
−HK$2,183/mo
Today · 4.125%
HK$84,600
baseline
▲ 0.50% · 4.625%
HK$89,060
+HK$4,460/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$169,200/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,578
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$89,271
−HK$2,736/mo
Today · 4.125%
HK$92,007
baseline
▲ 0.50% · 4.625%
HK$97,605
+HK$5,598/mo
Deposit HK$12.66M · loan HK$18.98M · min. income ≈ HK$184,014/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,317
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,900
−HK$2,621/mo
Today · 4.125%
HK$101,521
baseline
▲ 0.50% · 4.625%
HK$106,872
+HK$5,351/mo
Deposit HK$12.66M · loan HK$18.98M · min. income ≈ HK$203,042/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,007
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$104,149
−HK$3,192/mo
Today · 4.125%
HK$107,341
baseline
▲ 0.50% · 4.625%
HK$113,873
+HK$6,532/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$214,682/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,370
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$115,383
−HK$3,058/mo
Today · 4.125%
HK$118,441
baseline
▲ 0.50% · 4.625%
HK$124,684
+HK$6,243/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$236,882/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,867
−HK$8,143/mo
▼ 0.25% · 3.875%
HK$133,906
−HK$4,104/mo
Today · 4.125%
HK$138,010
baseline
▲ 0.50% · 4.625%
HK$146,408
+HK$8,398/mo
Deposit HK$3.16M · loan HK$28.48M · min. income ≈ HK$276,020/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,475
−HK$7,806/mo
▼ 0.25% · 3.875%
HK$148,350
−HK$3,931/mo
Today · 4.125%
HK$152,281
baseline
▲ 0.50% · 4.625%
HK$160,308
+HK$8,027/mo
Deposit HK$3.16M · loan HK$28.48M · min. income ≈ HK$304,562/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,716 · Scale 2, in force from 26 Feb 2026)