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$72,212
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,458
−HK$2,282/mo
Today · 4.125%
HK$76,740
baseline
▲ 0.50% · 4.625%
HK$81,410
+HK$4,670/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$153,480/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,345,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,335
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,490
−HK$2,186/mo
Today · 4.125%
HK$84,676
baseline
▲ 0.50% · 4.625%
HK$89,139
+HK$4,463/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$169,352/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,345,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,655
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$89,350
−HK$2,739/mo
Today · 4.125%
HK$92,089
baseline
▲ 0.50% · 4.625%
HK$97,692
+HK$5,603/mo
Deposit HK$12.67M · loan HK$19.00M · min. income ≈ HK$184,178/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,402
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$98,988
−HK$2,623/mo
Today · 4.125%
HK$101,611
baseline
▲ 0.50% · 4.625%
HK$106,967
+HK$5,356/mo
Deposit HK$12.67M · loan HK$19.00M · min. income ≈ HK$203,222/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,097
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$104,242
−HK$3,195/mo
Today · 4.125%
HK$107,437
baseline
▲ 0.50% · 4.625%
HK$113,974
+HK$6,537/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$214,874/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,345,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,469
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$115,486
−HK$3,060/mo
Today · 4.125%
HK$118,546
baseline
▲ 0.50% · 4.625%
HK$124,794
+HK$6,248/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$237,092/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,345,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,982
−HK$8,151/mo
▼ 0.25% · 3.875%
HK$134,025
−HK$4,108/mo
Today · 4.125%
HK$138,133
baseline
▲ 0.50% · 4.625%
HK$146,538
+HK$8,405/mo
Deposit HK$3.17M · loan HK$28.50M · min. income ≈ HK$276,266/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,603
−HK$7,813/mo
▼ 0.25% · 3.875%
HK$148,482
−HK$3,934/mo
Today · 4.125%
HK$152,416
baseline
▲ 0.50% · 4.625%
HK$160,450
+HK$8,034/mo
Deposit HK$3.17M · loan HK$28.50M · min. income ≈ HK$304,832/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,908 · Scale 2, in force from 26 Feb 2026)