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$72,203
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,449
−HK$2,282/mo
Today · 4.125%
HK$76,731
baseline
▲ 0.50% · 4.625%
HK$81,400
+HK$4,669/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$153,462/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,345,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,325
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,479
−HK$2,186/mo
Today · 4.125%
HK$84,665
baseline
▲ 0.50% · 4.625%
HK$89,128
+HK$4,463/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$169,330/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,345,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,644
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$89,339
−HK$2,738/mo
Today · 4.125%
HK$92,077
baseline
▲ 0.50% · 4.625%
HK$97,680
+HK$5,603/mo
Deposit HK$12.67M · loan HK$19.00M · min. income ≈ HK$184,154/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,390
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$98,975
−HK$2,623/mo
Today · 4.125%
HK$101,598
baseline
▲ 0.50% · 4.625%
HK$106,953
+HK$5,355/mo
Deposit HK$12.67M · loan HK$19.00M · min. income ≈ HK$203,196/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,084
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$104,229
−HK$3,194/mo
Today · 4.125%
HK$107,423
baseline
▲ 0.50% · 4.625%
HK$113,960
+HK$6,537/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$214,846/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,345,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,455
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$115,471
−HK$3,060/mo
Today · 4.125%
HK$118,531
baseline
▲ 0.50% · 4.625%
HK$124,779
+HK$6,248/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$237,062/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,345,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,966
−HK$8,149/mo
▼ 0.25% · 3.875%
HK$134,008
−HK$4,107/mo
Today · 4.125%
HK$138,115
baseline
▲ 0.50% · 4.625%
HK$146,519
+HK$8,404/mo
Deposit HK$3.17M · loan HK$28.50M · min. income ≈ HK$276,230/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,585
−HK$7,812/mo
▼ 0.25% · 3.875%
HK$148,463
−HK$3,934/mo
Today · 4.125%
HK$152,397
baseline
▲ 0.50% · 4.625%
HK$160,430
+HK$8,033/mo
Deposit HK$3.17M · loan HK$28.50M · min. income ≈ HK$304,794/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,739 · Scale 2, in force from 26 Feb 2026)