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$72,155
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,400
−HK$2,280/mo
Today · 4.125%
HK$76,680
baseline
▲ 0.50% · 4.625%
HK$81,346
+HK$4,666/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$153,360/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,344,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,272
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,425
−HK$2,184/mo
Today · 4.125%
HK$84,609
baseline
▲ 0.50% · 4.625%
HK$89,069
+HK$4,460/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$169,218/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,344,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,586
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,279
−HK$2,737/mo
Today · 4.125%
HK$92,016
baseline
▲ 0.50% · 4.625%
HK$97,615
+HK$5,599/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$184,032/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,326
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,910
−HK$2,620/mo
Today · 4.125%
HK$101,530
baseline
▲ 0.50% · 4.625%
HK$106,882
+HK$5,352/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$203,060/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,017
−HK$6,335/mo
▼ 0.25% · 3.875%
HK$104,159
−HK$3,193/mo
Today · 4.125%
HK$107,352
baseline
▲ 0.50% · 4.625%
HK$113,884
+HK$6,532/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$214,704/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,381
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$115,395
−HK$3,057/mo
Today · 4.125%
HK$118,452
baseline
▲ 0.50% · 4.625%
HK$124,696
+HK$6,244/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$236,904/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,879
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$133,919
−HK$4,105/mo
Today · 4.125%
HK$138,024
baseline
▲ 0.50% · 4.625%
HK$146,422
+HK$8,398/mo
Deposit HK$3.16M · loan HK$28.48M · min. income ≈ HK$276,048/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,489
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$148,364
−HK$3,932/mo
Today · 4.125%
HK$152,296
baseline
▲ 0.50% · 4.625%
HK$160,323
+HK$8,027/mo
Deposit HK$3.16M · loan HK$28.48M · min. income ≈ HK$304,592/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,846 · Scale 2, in force from 26 Feb 2026)