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$71,790
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,023
−HK$2,269/mo
Today · 4.125%
HK$76,292
baseline
▲ 0.50% · 4.625%
HK$80,934
+HK$4,642/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$152,584/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,338,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,866
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,008
−HK$2,173/mo
Today · 4.125%
HK$84,181
baseline
▲ 0.50% · 4.625%
HK$88,618
+HK$4,437/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$168,362/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,338,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,148
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$88,828
−HK$2,723/mo
Today · 4.125%
HK$91,551
baseline
▲ 0.50% · 4.625%
HK$97,121
+HK$5,570/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$183,102/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,338,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,839
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$98,410
−HK$2,607/mo
Today · 4.125%
HK$101,017
baseline
▲ 0.50% · 4.625%
HK$106,342
+HK$5,325/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$202,034/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,338,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,506
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$103,633
−HK$3,176/mo
Today · 4.125%
HK$106,809
baseline
▲ 0.50% · 4.625%
HK$113,308
+HK$6,499/mo
Deposit HK$9.45M · loan HK$22.04M · min. income ≈ HK$213,618/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,338,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,812
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$114,811
−HK$3,042/mo
Today · 4.125%
HK$117,853
baseline
▲ 0.50% · 4.625%
HK$124,065
+HK$6,212/mo
Deposit HK$9.45M · loan HK$22.04M · min. income ≈ HK$235,706/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,338,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,223
−HK$8,103/mo
▼ 0.25% · 3.875%
HK$133,242
−HK$4,084/mo
Today · 4.125%
HK$137,326
baseline
▲ 0.50% · 4.625%
HK$145,682
+HK$8,356/mo
Deposit HK$3.15M · loan HK$28.34M · min. income ≈ HK$274,652/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,759
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$147,614
−HK$3,912/mo
Today · 4.125%
HK$151,526
baseline
▲ 0.50% · 4.625%
HK$159,513
+HK$7,987/mo
Deposit HK$3.15M · loan HK$28.34M · min. income ≈ HK$303,052/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,047 · Scale 2, in force from 26 Feb 2026)