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$71,769
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$74,001
−HK$2,268/mo
Today · 4.125%
HK$76,269
baseline
▲ 0.50% · 4.625%
HK$80,910
+HK$4,641/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$152,538/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,842
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,983
−HK$2,173/mo
Today · 4.125%
HK$84,156
baseline
▲ 0.50% · 4.625%
HK$88,592
+HK$4,436/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$168,312/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,123
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,801
−HK$2,722/mo
Today · 4.125%
HK$91,523
baseline
▲ 0.50% · 4.625%
HK$97,092
+HK$5,569/mo
Deposit HK$12.59M · loan HK$18.88M · min. income ≈ HK$183,046/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,811
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,380
−HK$2,607/mo
Today · 4.125%
HK$100,987
baseline
▲ 0.50% · 4.625%
HK$106,310
+HK$5,323/mo
Deposit HK$12.59M · loan HK$18.88M · min. income ≈ HK$201,974/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,476
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,602
−HK$3,175/mo
Today · 4.125%
HK$106,777
baseline
▲ 0.50% · 4.625%
HK$113,274
+HK$6,497/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$213,554/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,779
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,777
−HK$3,041/mo
Today · 4.125%
HK$117,818
baseline
▲ 0.50% · 4.625%
HK$124,028
+HK$6,210/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$235,636/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,184
−HK$8,101/mo
▼ 0.25% · 3.875%
HK$133,202
−HK$4,083/mo
Today · 4.125%
HK$137,285
baseline
▲ 0.50% · 4.625%
HK$145,638
+HK$8,353/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$274,570/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,716
−HK$7,764/mo
▼ 0.25% · 3.875%
HK$147,570
−HK$3,910/mo
Today · 4.125%
HK$151,480
baseline
▲ 0.50% · 4.625%
HK$159,465
+HK$7,985/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$302,960/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,646 · Scale 2, in force from 26 Feb 2026)