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$72,138
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,381
−HK$2,280/mo
Today · 4.125%
HK$76,661
baseline
▲ 0.50% · 4.625%
HK$81,326
+HK$4,665/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$153,322/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,252
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,405
−HK$2,183/mo
Today · 4.125%
HK$84,588
baseline
▲ 0.50% · 4.625%
HK$89,047
+HK$4,459/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$169,176/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,565
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$89,258
−HK$2,735/mo
Today · 4.125%
HK$91,993
baseline
▲ 0.50% · 4.625%
HK$97,591
+HK$5,598/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$183,986/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,303
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,886
−HK$2,620/mo
Today · 4.125%
HK$101,506
baseline
▲ 0.50% · 4.625%
HK$106,856
+HK$5,350/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$203,012/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,993
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$104,134
−HK$3,192/mo
Today · 4.125%
HK$107,326
baseline
▲ 0.50% · 4.625%
HK$113,856
+HK$6,530/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$214,652/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,353
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$115,366
−HK$3,057/mo
Today · 4.125%
HK$118,423
baseline
▲ 0.50% · 4.625%
HK$124,666
+HK$6,243/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$236,846/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,848
−HK$8,142/mo
▼ 0.25% · 3.875%
HK$133,887
−HK$4,103/mo
Today · 4.125%
HK$137,990
baseline
▲ 0.50% · 4.625%
HK$146,387
+HK$8,397/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$275,980/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,454
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$148,328
−HK$3,931/mo
Today · 4.125%
HK$152,259
baseline
▲ 0.50% · 4.625%
HK$160,284
+HK$8,025/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$304,518/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,519 · Scale 2, in force from 26 Feb 2026)