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$71,866
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,102
−HK$2,271/mo
Today · 4.125%
HK$76,373
baseline
▲ 0.50% · 4.625%
HK$81,020
+HK$4,647/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$152,746/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,951
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,095
−HK$2,175/mo
Today · 4.125%
HK$84,270
baseline
▲ 0.50% · 4.625%
HK$88,712
+HK$4,442/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$168,540/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,240
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$88,922
−HK$2,726/mo
Today · 4.125%
HK$91,648
baseline
▲ 0.50% · 4.625%
HK$97,224
+HK$5,576/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$183,296/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,941
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$98,514
−HK$2,610/mo
Today · 4.125%
HK$101,124
baseline
▲ 0.50% · 4.625%
HK$106,455
+HK$5,331/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$202,248/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,613
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$103,743
−HK$3,179/mo
Today · 4.125%
HK$106,922
baseline
▲ 0.50% · 4.625%
HK$113,428
+HK$6,506/mo
Deposit HK$9.46M · loan HK$22.06M · min. income ≈ HK$213,844/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,339,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,931
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$114,933
−HK$3,045/mo
Today · 4.125%
HK$117,978
baseline
▲ 0.50% · 4.625%
HK$124,197
+HK$6,219/mo
Deposit HK$9.46M · loan HK$22.06M · min. income ≈ HK$235,956/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,339,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,360
−HK$8,111/mo
▼ 0.25% · 3.875%
HK$133,383
−HK$4,088/mo
Today · 4.125%
HK$137,471
baseline
▲ 0.50% · 4.625%
HK$145,836
+HK$8,365/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$274,942/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,911
−HK$7,775/mo
▼ 0.25% · 3.875%
HK$147,771
−HK$3,915/mo
Today · 4.125%
HK$151,686
baseline
▲ 0.50% · 4.625%
HK$159,682
+HK$7,996/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$303,372/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,465 · Scale 2, in force from 26 Feb 2026)