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$72,184
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,430
−HK$2,281/mo
Today · 4.125%
HK$76,711
baseline
▲ 0.50% · 4.625%
HK$81,379
+HK$4,668/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$153,422/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,345,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,304
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,458
−HK$2,185/mo
Today · 4.125%
HK$84,643
baseline
▲ 0.50% · 4.625%
HK$89,105
+HK$4,462/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$169,286/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,345,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,621
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,316
−HK$2,737/mo
Today · 4.125%
HK$92,053
baseline
▲ 0.50% · 4.625%
HK$97,654
+HK$5,601/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$184,106/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,365
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$98,950
−HK$2,622/mo
Today · 4.125%
HK$101,572
baseline
▲ 0.50% · 4.625%
HK$106,926
+HK$5,354/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$203,144/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,058
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$104,202
−HK$3,193/mo
Today · 4.125%
HK$107,395
baseline
▲ 0.50% · 4.625%
HK$113,930
+HK$6,535/mo
Deposit HK$9.50M · loan HK$22.16M · min. income ≈ HK$214,790/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,345,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,426
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$115,441
−HK$3,059/mo
Today · 4.125%
HK$118,500
baseline
▲ 0.50% · 4.625%
HK$124,747
+HK$6,247/mo
Deposit HK$9.50M · loan HK$22.16M · min. income ≈ HK$237,000/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,345,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,932
−HK$8,148/mo
▼ 0.25% · 3.875%
HK$133,974
−HK$4,106/mo
Today · 4.125%
HK$138,080
baseline
▲ 0.50% · 4.625%
HK$146,482
+HK$8,402/mo
Deposit HK$3.17M · loan HK$28.49M · min. income ≈ HK$276,160/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,548
−HK$7,809/mo
▼ 0.25% · 3.875%
HK$148,425
−HK$3,932/mo
Today · 4.125%
HK$152,357
baseline
▲ 0.50% · 4.625%
HK$160,388
+HK$8,031/mo
Deposit HK$3.17M · loan HK$28.49M · min. income ≈ HK$304,714/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,392 · Scale 2, in force from 26 Feb 2026)