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$71,773
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,006
−HK$2,268/mo
Today · 4.125%
HK$76,274
baseline
▲ 0.50% · 4.625%
HK$80,915
+HK$4,641/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$152,548/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,337,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,847
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,989
−HK$2,172/mo
Today · 4.125%
HK$84,161
baseline
▲ 0.50% · 4.625%
HK$88,597
+HK$4,436/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$168,322/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,337,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,128
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$88,807
−HK$2,722/mo
Today · 4.125%
HK$91,529
baseline
▲ 0.50% · 4.625%
HK$97,099
+HK$5,570/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$183,058/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,817
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,386
−HK$2,607/mo
Today · 4.125%
HK$100,993
baseline
▲ 0.50% · 4.625%
HK$106,317
+HK$5,324/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$201,986/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,483
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,608
−HK$3,176/mo
Today · 4.125%
HK$106,784
baseline
▲ 0.50% · 4.625%
HK$113,282
+HK$6,498/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$213,568/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,786
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$114,784
−HK$3,042/mo
Today · 4.125%
HK$117,826
baseline
▲ 0.50% · 4.625%
HK$124,036
+HK$6,210/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$235,652/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,192
−HK$8,102/mo
▼ 0.25% · 3.875%
HK$133,211
−HK$4,083/mo
Today · 4.125%
HK$137,294
baseline
▲ 0.50% · 4.625%
HK$145,648
+HK$8,354/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$274,588/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,725
−HK$7,765/mo
▼ 0.25% · 3.875%
HK$147,580
−HK$3,910/mo
Today · 4.125%
HK$151,490
baseline
▲ 0.50% · 4.625%
HK$159,475
+HK$7,985/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$302,980/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,733 · Scale 2, in force from 26 Feb 2026)