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$72,159
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,404
−HK$2,281/mo
Today · 4.125%
HK$76,685
baseline
▲ 0.50% · 4.625%
HK$81,351
+HK$4,666/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$153,370/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,344,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,277
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,430
−HK$2,184/mo
Today · 4.125%
HK$84,614
baseline
▲ 0.50% · 4.625%
HK$89,074
+HK$4,460/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$169,228/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,344,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,591
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,285
−HK$2,736/mo
Today · 4.125%
HK$92,021
baseline
▲ 0.50% · 4.625%
HK$97,621
+HK$5,600/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$184,042/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,332
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$98,916
−HK$2,621/mo
Today · 4.125%
HK$101,537
baseline
▲ 0.50% · 4.625%
HK$106,889
+HK$5,352/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$203,074/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,023
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$104,166
−HK$3,192/mo
Today · 4.125%
HK$107,358
baseline
▲ 0.50% · 4.625%
HK$113,891
+HK$6,533/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$214,716/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,387
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$115,402
−HK$3,057/mo
Today · 4.125%
HK$118,459
baseline
▲ 0.50% · 4.625%
HK$124,704
+HK$6,245/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$236,918/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,887
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$133,927
−HK$4,105/mo
Today · 4.125%
HK$138,032
baseline
▲ 0.50% · 4.625%
HK$146,431
+HK$8,399/mo
Deposit HK$3.16M · loan HK$28.48M · min. income ≈ HK$276,064/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,498
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$148,373
−HK$3,932/mo
Today · 4.125%
HK$152,305
baseline
▲ 0.50% · 4.625%
HK$160,333
+HK$8,028/mo
Deposit HK$3.16M · loan HK$28.48M · min. income ≈ HK$304,610/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,928 · Scale 2, in force from 26 Feb 2026)