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$72,377
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$74,628
−HK$2,288/mo
Today · 4.125%
HK$76,916
baseline
▲ 0.50% · 4.625%
HK$81,596
+HK$4,680/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$153,832/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,348,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,519
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,678
−HK$2,191/mo
Today · 4.125%
HK$84,869
baseline
▲ 0.50% · 4.625%
HK$89,343
+HK$4,474/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$169,738/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,348,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,853
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,554
−HK$2,745/mo
Today · 4.125%
HK$92,299
baseline
▲ 0.50% · 4.625%
HK$97,915
+HK$5,616/mo
Deposit HK$12.70M · loan HK$19.04M · min. income ≈ HK$184,598/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,348,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,623
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$99,214
−HK$2,629/mo
Today · 4.125%
HK$101,843
baseline
▲ 0.50% · 4.625%
HK$107,211
+HK$5,368/mo
Deposit HK$12.70M · loan HK$19.04M · min. income ≈ HK$203,686/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,348,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,328
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$104,480
−HK$3,202/mo
Today · 4.125%
HK$107,682
baseline
▲ 0.50% · 4.625%
HK$114,234
+HK$6,552/mo
Deposit HK$9.52M · loan HK$22.22M · min. income ≈ HK$215,364/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,348,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,726
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$115,750
−HK$3,067/mo
Today · 4.125%
HK$118,817
baseline
▲ 0.50% · 4.625%
HK$125,080
+HK$6,263/mo
Deposit HK$9.52M · loan HK$22.22M · min. income ≈ HK$237,634/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,348,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,279
−HK$8,169/mo
▼ 0.25% · 3.875%
HK$134,331
−HK$4,117/mo
Today · 4.125%
HK$138,448
baseline
▲ 0.50% · 4.625%
HK$146,873
+HK$8,425/mo
Deposit HK$3.17M · loan HK$28.57M · min. income ≈ HK$276,896/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,934
−HK$7,830/mo
▼ 0.25% · 3.875%
HK$148,821
−HK$3,943/mo
Today · 4.125%
HK$152,764
baseline
▲ 0.50% · 4.625%
HK$160,817
+HK$8,053/mo
Deposit HK$3.17M · loan HK$28.57M · min. income ≈ HK$305,528/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,984 · Scale 2, in force from 26 Feb 2026)