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$72,227
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,473
−HK$2,283/mo
Today · 4.125%
HK$76,756
baseline
▲ 0.50% · 4.625%
HK$81,426
+HK$4,670/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$153,512/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,346,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,351
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,506
−HK$2,186/mo
Today · 4.125%
HK$84,692
baseline
▲ 0.50% · 4.625%
HK$89,157
+HK$4,465/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$169,384/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,346,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,672
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$89,368
−HK$2,739/mo
Today · 4.125%
HK$92,107
baseline
▲ 0.50% · 4.625%
HK$97,711
+HK$5,604/mo
Deposit HK$12.67M · loan HK$19.00M · min. income ≈ HK$184,214/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,422
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$99,007
−HK$2,624/mo
Today · 4.125%
HK$101,631
baseline
▲ 0.50% · 4.625%
HK$106,988
+HK$5,357/mo
Deposit HK$12.67M · loan HK$19.00M · min. income ≈ HK$203,262/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,117
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$104,262
−HK$3,196/mo
Today · 4.125%
HK$107,458
baseline
▲ 0.50% · 4.625%
HK$113,997
+HK$6,539/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$214,916/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,492
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$115,509
−HK$3,060/mo
Today · 4.125%
HK$118,569
baseline
▲ 0.50% · 4.625%
HK$124,819
+HK$6,250/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$237,138/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,008
−HK$8,152/mo
▼ 0.25% · 3.875%
HK$134,052
−HK$4,108/mo
Today · 4.125%
HK$138,160
baseline
▲ 0.50% · 4.625%
HK$146,567
+HK$8,407/mo
Deposit HK$3.17M · loan HK$28.51M · min. income ≈ HK$276,320/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,346,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,632
−HK$7,814/mo
▼ 0.25% · 3.875%
HK$148,511
−HK$3,935/mo
Today · 4.125%
HK$152,446
baseline
▲ 0.50% · 4.625%
HK$160,482
+HK$8,036/mo
Deposit HK$3.17M · loan HK$28.51M · min. income ≈ HK$304,892/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,346,177 · Scale 2, in force from 26 Feb 2026)