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$71,955
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,193
−HK$2,274/mo
Today · 4.125%
HK$76,467
baseline
▲ 0.50% · 4.625%
HK$81,120
+HK$4,653/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$152,934/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,341,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,049
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,196
−HK$2,178/mo
Today · 4.125%
HK$84,374
baseline
▲ 0.50% · 4.625%
HK$88,822
+HK$4,448/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$168,748/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,341,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,346
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$89,032
−HK$2,729/mo
Today · 4.125%
HK$91,761
baseline
▲ 0.50% · 4.625%
HK$97,344
+HK$5,583/mo
Deposit HK$12.62M · loan HK$18.93M · min. income ≈ HK$183,522/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,341,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,059
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$98,636
−HK$2,613/mo
Today · 4.125%
HK$101,249
baseline
▲ 0.50% · 4.625%
HK$106,586
+HK$5,337/mo
Deposit HK$12.62M · loan HK$18.93M · min. income ≈ HK$202,498/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,341,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,737
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$103,871
−HK$3,183/mo
Today · 4.125%
HK$107,054
baseline
▲ 0.50% · 4.625%
HK$113,568
+HK$6,514/mo
Deposit HK$9.47M · loan HK$22.09M · min. income ≈ HK$214,108/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,069
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,075
−HK$3,049/mo
Today · 4.125%
HK$118,124
baseline
▲ 0.50% · 4.625%
HK$124,350
+HK$6,226/mo
Deposit HK$9.47M · loan HK$22.09M · min. income ≈ HK$236,248/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,519
−HK$8,122/mo
▼ 0.25% · 3.875%
HK$133,548
−HK$4,093/mo
Today · 4.125%
HK$137,641
baseline
▲ 0.50% · 4.625%
HK$146,017
+HK$8,376/mo
Deposit HK$3.16M · loan HK$28.40M · min. income ≈ HK$275,282/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,089
−HK$7,785/mo
▼ 0.25% · 3.875%
HK$147,953
−HK$3,921/mo
Today · 4.125%
HK$151,874
baseline
▲ 0.50% · 4.625%
HK$159,879
+HK$8,005/mo
Deposit HK$3.16M · loan HK$28.40M · min. income ≈ HK$303,748/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,120 · Scale 2, in force from 26 Feb 2026)