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$72,401
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,653
−HK$2,288/mo
Today · 4.125%
HK$76,941
baseline
▲ 0.50% · 4.625%
HK$81,623
+HK$4,682/mo
Deposit HK$15.88M · loan HK$15.88M · min. income ≈ HK$153,882/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,349,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,545
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,705
−HK$2,192/mo
Today · 4.125%
HK$84,897
baseline
▲ 0.50% · 4.625%
HK$89,372
+HK$4,475/mo
Deposit HK$15.88M · loan HK$15.88M · min. income ≈ HK$169,794/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,349,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,881
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$89,583
−HK$2,746/mo
Today · 4.125%
HK$92,329
baseline
▲ 0.50% · 4.625%
HK$97,947
+HK$5,618/mo
Deposit HK$12.70M · loan HK$19.05M · min. income ≈ HK$184,658/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,349,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,654
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,246
−HK$2,630/mo
Today · 4.125%
HK$101,876
baseline
▲ 0.50% · 4.625%
HK$107,246
+HK$5,370/mo
Deposit HK$12.70M · loan HK$19.05M · min. income ≈ HK$203,752/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,349,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,361
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$104,514
−HK$3,203/mo
Today · 4.125%
HK$107,717
baseline
▲ 0.50% · 4.625%
HK$114,272
+HK$6,555/mo
Deposit HK$9.53M · loan HK$22.23M · min. income ≈ HK$215,434/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,349,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,763
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$115,787
−HK$3,068/mo
Today · 4.125%
HK$118,855
baseline
▲ 0.50% · 4.625%
HK$125,120
+HK$6,265/mo
Deposit HK$9.53M · loan HK$22.23M · min. income ≈ HK$237,710/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,349,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,321
−HK$8,173/mo
▼ 0.25% · 3.875%
HK$134,375
−HK$4,119/mo
Today · 4.125%
HK$138,494
baseline
▲ 0.50% · 4.625%
HK$146,921
+HK$8,427/mo
Deposit HK$3.18M · loan HK$28.58M · min. income ≈ HK$276,988/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,349,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,981
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$148,869
−HK$3,945/mo
Today · 4.125%
HK$152,814
baseline
▲ 0.50% · 4.625%
HK$160,869
+HK$8,055/mo
Deposit HK$3.18M · loan HK$28.58M · min. income ≈ HK$305,628/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,349,424 · Scale 2, in force from 26 Feb 2026)