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$72,210
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,456
−HK$2,282/mo
Today · 4.125%
HK$76,738
baseline
▲ 0.50% · 4.625%
HK$81,407
+HK$4,669/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$153,476/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,345,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,333
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,487
−HK$2,186/mo
Today · 4.125%
HK$84,673
baseline
▲ 0.50% · 4.625%
HK$89,136
+HK$4,463/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$169,346/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,345,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,652
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$89,347
−HK$2,739/mo
Today · 4.125%
HK$92,086
baseline
▲ 0.50% · 4.625%
HK$97,689
+HK$5,603/mo
Deposit HK$12.67M · loan HK$19.00M · min. income ≈ HK$184,172/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,399
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$98,985
−HK$2,622/mo
Today · 4.125%
HK$101,607
baseline
▲ 0.50% · 4.625%
HK$106,963
+HK$5,356/mo
Deposit HK$12.67M · loan HK$19.00M · min. income ≈ HK$203,214/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,094
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$104,238
−HK$3,195/mo
Today · 4.125%
HK$107,433
baseline
▲ 0.50% · 4.625%
HK$113,970
+HK$6,537/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$214,866/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,345,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,466
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$115,482
−HK$3,060/mo
Today · 4.125%
HK$118,542
baseline
▲ 0.50% · 4.625%
HK$124,791
+HK$6,249/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$237,084/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,345,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,978
−HK$8,151/mo
▼ 0.25% · 3.875%
HK$134,021
−HK$4,108/mo
Today · 4.125%
HK$138,129
baseline
▲ 0.50% · 4.625%
HK$146,533
+HK$8,404/mo
Deposit HK$3.17M · loan HK$28.50M · min. income ≈ HK$276,258/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,599
−HK$7,812/mo
▼ 0.25% · 3.875%
HK$148,477
−HK$3,934/mo
Today · 4.125%
HK$152,411
baseline
▲ 0.50% · 4.625%
HK$160,445
+HK$8,034/mo
Deposit HK$3.17M · loan HK$28.50M · min. income ≈ HK$304,822/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,867 · Scale 2, in force from 26 Feb 2026)