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$72,025
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,266
−HK$2,276/mo
Today · 4.125%
HK$76,542
baseline
▲ 0.50% · 4.625%
HK$81,199
+HK$4,657/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$153,084/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,128
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,277
−HK$2,180/mo
Today · 4.125%
HK$84,457
baseline
▲ 0.50% · 4.625%
HK$88,908
+HK$4,451/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$168,914/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,431
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,119
−HK$2,731/mo
Today · 4.125%
HK$91,850
baseline
▲ 0.50% · 4.625%
HK$97,439
+HK$5,589/mo
Deposit HK$12.63M · loan HK$18.95M · min. income ≈ HK$183,700/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,153
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,732
−HK$2,616/mo
Today · 4.125%
HK$101,348
baseline
▲ 0.50% · 4.625%
HK$106,690
+HK$5,342/mo
Deposit HK$12.63M · loan HK$18.95M · min. income ≈ HK$202,696/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,836
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$103,972
−HK$3,187/mo
Today · 4.125%
HK$107,159
baseline
▲ 0.50% · 4.625%
HK$113,679
+HK$6,520/mo
Deposit HK$9.48M · loan HK$22.11M · min. income ≈ HK$214,318/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,179
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$115,187
−HK$3,052/mo
Today · 4.125%
HK$118,239
baseline
▲ 0.50% · 4.625%
HK$124,472
+HK$6,233/mo
Deposit HK$9.48M · loan HK$22.11M · min. income ≈ HK$236,478/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,646
−HK$8,130/mo
▼ 0.25% · 3.875%
HK$133,679
−HK$4,097/mo
Today · 4.125%
HK$137,776
baseline
▲ 0.50% · 4.625%
HK$146,159
+HK$8,383/mo
Deposit HK$3.16M · loan HK$28.43M · min. income ≈ HK$275,552/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,230
−HK$7,792/mo
▼ 0.25% · 3.875%
HK$148,098
−HK$3,924/mo
Today · 4.125%
HK$152,022
baseline
▲ 0.50% · 4.625%
HK$160,035
+HK$8,013/mo
Deposit HK$3.16M · loan HK$28.43M · min. income ≈ HK$304,044/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,429 · Scale 2, in force from 26 Feb 2026)