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$72,369
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,620
−HK$2,287/mo
Today · 4.125%
HK$76,907
baseline
▲ 0.50% · 4.625%
HK$81,586
+HK$4,679/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$153,814/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,348,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,509
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,669
−HK$2,190/mo
Today · 4.125%
HK$84,859
baseline
▲ 0.50% · 4.625%
HK$89,332
+HK$4,473/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$169,718/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,348,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,842
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,544
−HK$2,744/mo
Today · 4.125%
HK$92,288
baseline
▲ 0.50% · 4.625%
HK$97,904
+HK$5,616/mo
Deposit HK$12.69M · loan HK$19.04M · min. income ≈ HK$184,576/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,611
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$99,202
−HK$2,629/mo
Today · 4.125%
HK$101,831
baseline
▲ 0.50% · 4.625%
HK$107,199
+HK$5,368/mo
Deposit HK$12.69M · loan HK$19.04M · min. income ≈ HK$203,662/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,316
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$104,468
−HK$3,202/mo
Today · 4.125%
HK$107,670
baseline
▲ 0.50% · 4.625%
HK$114,221
+HK$6,551/mo
Deposit HK$9.52M · loan HK$22.22M · min. income ≈ HK$215,340/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,348,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,713
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$115,736
−HK$3,067/mo
Today · 4.125%
HK$118,803
baseline
▲ 0.50% · 4.625%
HK$125,065
+HK$6,262/mo
Deposit HK$9.52M · loan HK$22.22M · min. income ≈ HK$237,606/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,348,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,264
−HK$8,168/mo
▼ 0.25% · 3.875%
HK$134,316
−HK$4,116/mo
Today · 4.125%
HK$138,432
baseline
▲ 0.50% · 4.625%
HK$146,856
+HK$8,424/mo
Deposit HK$3.17M · loan HK$28.56M · min. income ≈ HK$276,864/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,917
−HK$7,829/mo
▼ 0.25% · 3.875%
HK$148,804
−HK$3,942/mo
Today · 4.125%
HK$152,746
baseline
▲ 0.50% · 4.625%
HK$160,798
+HK$8,052/mo
Deposit HK$3.17M · loan HK$28.56M · min. income ≈ HK$305,492/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,826 · Scale 2, in force from 26 Feb 2026)