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$72,180
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,425
−HK$2,281/mo
Today · 4.125%
HK$76,706
baseline
▲ 0.50% · 4.625%
HK$81,374
+HK$4,668/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$153,412/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,299
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,453
−HK$2,185/mo
Today · 4.125%
HK$84,638
baseline
▲ 0.50% · 4.625%
HK$89,099
+HK$4,461/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$169,276/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,616
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$89,310
−HK$2,737/mo
Today · 4.125%
HK$92,047
baseline
▲ 0.50% · 4.625%
HK$97,648
+HK$5,601/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$184,094/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,359
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$98,944
−HK$2,621/mo
Today · 4.125%
HK$101,565
baseline
▲ 0.50% · 4.625%
HK$106,919
+HK$5,354/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$203,130/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,052
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$104,195
−HK$3,194/mo
Today · 4.125%
HK$107,389
baseline
▲ 0.50% · 4.625%
HK$113,923
+HK$6,534/mo
Deposit HK$9.50M · loan HK$22.16M · min. income ≈ HK$214,778/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,419
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$115,434
−HK$3,059/mo
Today · 4.125%
HK$118,493
baseline
▲ 0.50% · 4.625%
HK$124,739
+HK$6,246/mo
Deposit HK$9.50M · loan HK$22.16M · min. income ≈ HK$236,986/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,924
−HK$8,147/mo
▼ 0.25% · 3.875%
HK$133,965
−HK$4,106/mo
Today · 4.125%
HK$138,071
baseline
▲ 0.50% · 4.625%
HK$146,472
+HK$8,401/mo
Deposit HK$3.17M · loan HK$28.49M · min. income ≈ HK$276,142/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,539
−HK$7,809/mo
▼ 0.25% · 3.875%
HK$148,415
−HK$3,933/mo
Today · 4.125%
HK$152,348
baseline
▲ 0.50% · 4.625%
HK$160,378
+HK$8,030/mo
Deposit HK$3.17M · loan HK$28.49M · min. income ≈ HK$304,696/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,307 · Scale 2, in force from 26 Feb 2026)