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$72,077
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,319
−HK$2,277/mo
Today · 4.125%
HK$76,596
baseline
▲ 0.50% · 4.625%
HK$81,257
+HK$4,661/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$153,192/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,184
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,335
−HK$2,182/mo
Today · 4.125%
HK$84,517
baseline
▲ 0.50% · 4.625%
HK$88,972
+HK$4,455/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$169,034/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,492
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$89,182
−HK$2,734/mo
Today · 4.125%
HK$91,916
baseline
▲ 0.50% · 4.625%
HK$97,509
+HK$5,593/mo
Deposit HK$12.64M · loan HK$18.97M · min. income ≈ HK$183,832/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,221
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$98,802
−HK$2,618/mo
Today · 4.125%
HK$101,420
baseline
▲ 0.50% · 4.625%
HK$106,766
+HK$5,346/mo
Deposit HK$12.64M · loan HK$18.97M · min. income ≈ HK$202,840/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,907
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$104,046
−HK$3,189/mo
Today · 4.125%
HK$107,235
baseline
▲ 0.50% · 4.625%
HK$113,760
+HK$6,525/mo
Deposit HK$9.48M · loan HK$22.13M · min. income ≈ HK$214,470/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,258
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$115,269
−HK$3,054/mo
Today · 4.125%
HK$118,323
baseline
▲ 0.50% · 4.625%
HK$124,560
+HK$6,237/mo
Deposit HK$9.48M · loan HK$22.13M · min. income ≈ HK$236,646/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,738
−HK$8,135/mo
▼ 0.25% · 3.875%
HK$133,773
−HK$4,100/mo
Today · 4.125%
HK$137,873
baseline
▲ 0.50% · 4.625%
HK$146,263
+HK$8,390/mo
Deposit HK$3.16M · loan HK$28.45M · min. income ≈ HK$275,746/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,343,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,332
−HK$7,798/mo
▼ 0.25% · 3.875%
HK$148,203
−HK$3,927/mo
Today · 4.125%
HK$152,130
baseline
▲ 0.50% · 4.625%
HK$160,149
+HK$8,019/mo
Deposit HK$3.16M · loan HK$28.45M · min. income ≈ HK$304,260/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,343,381 · Scale 2, in force from 26 Feb 2026)