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$72,004
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,244
−HK$2,275/mo
Today · 4.125%
HK$76,519
baseline
▲ 0.50% · 4.625%
HK$81,175
+HK$4,656/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$153,038/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,342,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,104
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,252
−HK$2,180/mo
Today · 4.125%
HK$84,432
baseline
▲ 0.50% · 4.625%
HK$88,882
+HK$4,450/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$168,864/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,342,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,405
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,093
−HK$2,730/mo
Today · 4.125%
HK$91,823
baseline
▲ 0.50% · 4.625%
HK$97,410
+HK$5,587/mo
Deposit HK$12.63M · loan HK$18.95M · min. income ≈ HK$183,646/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,342,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,125
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,703
−HK$2,615/mo
Today · 4.125%
HK$101,318
baseline
▲ 0.50% · 4.625%
HK$106,659
+HK$5,341/mo
Deposit HK$12.63M · loan HK$18.95M · min. income ≈ HK$202,636/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,342,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,806
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$103,941
−HK$3,186/mo
Today · 4.125%
HK$107,127
baseline
▲ 0.50% · 4.625%
HK$113,646
+HK$6,519/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$214,254/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,145
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,153
−HK$3,051/mo
Today · 4.125%
HK$118,204
baseline
▲ 0.50% · 4.625%
HK$124,435
+HK$6,231/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$236,408/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,607
−HK$8,128/mo
▼ 0.25% · 3.875%
HK$133,639
−HK$4,096/mo
Today · 4.125%
HK$137,735
baseline
▲ 0.50% · 4.625%
HK$146,116
+HK$8,381/mo
Deposit HK$3.16M · loan HK$28.42M · min. income ≈ HK$275,470/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,187
−HK$7,790/mo
▼ 0.25% · 3.875%
HK$148,054
−HK$3,923/mo
Today · 4.125%
HK$151,977
baseline
▲ 0.50% · 4.625%
HK$159,988
+HK$8,011/mo
Deposit HK$3.16M · loan HK$28.42M · min. income ≈ HK$303,954/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,031 · Scale 2, in force from 26 Feb 2026)