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$71,891
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,128
−HK$2,272/mo
Today · 4.125%
HK$76,400
baseline
▲ 0.50% · 4.625%
HK$81,048
+HK$4,648/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$152,800/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,978
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,123
−HK$2,176/mo
Today · 4.125%
HK$84,299
baseline
▲ 0.50% · 4.625%
HK$88,743
+HK$4,444/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$168,598/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,270
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,953
−HK$2,726/mo
Today · 4.125%
HK$91,679
baseline
▲ 0.50% · 4.625%
HK$97,258
+HK$5,579/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$183,358/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,974
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,548
−HK$2,611/mo
Today · 4.125%
HK$101,159
baseline
▲ 0.50% · 4.625%
HK$106,492
+HK$5,333/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$202,318/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,648
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$103,779
−HK$3,180/mo
Today · 4.125%
HK$106,959
baseline
▲ 0.50% · 4.625%
HK$113,468
+HK$6,509/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$213,918/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,970
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$114,973
−HK$3,046/mo
Today · 4.125%
HK$118,019
baseline
▲ 0.50% · 4.625%
HK$124,240
+HK$6,221/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$236,038/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,404
−HK$8,115/mo
▼ 0.25% · 3.875%
HK$133,430
−HK$4,089/mo
Today · 4.125%
HK$137,519
baseline
▲ 0.50% · 4.625%
HK$145,887
+HK$8,368/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$275,038/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,961
−HK$7,778/mo
▼ 0.25% · 3.875%
HK$147,822
−HK$3,917/mo
Today · 4.125%
HK$151,739
baseline
▲ 0.50% · 4.625%
HK$159,737
+HK$7,998/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$303,478/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,930 · Scale 2, in force from 26 Feb 2026)