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$72,279
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,527
−HK$2,285/mo
Today · 4.125%
HK$76,812
baseline
▲ 0.50% · 4.625%
HK$81,485
+HK$4,673/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$153,624/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,410
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,566
−HK$2,188/mo
Today · 4.125%
HK$84,754
baseline
▲ 0.50% · 4.625%
HK$89,221
+HK$4,467/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$169,508/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,735
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$89,433
−HK$2,741/mo
Today · 4.125%
HK$92,174
baseline
▲ 0.50% · 4.625%
HK$97,782
+HK$5,608/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$184,348/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,492
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,079
−HK$2,626/mo
Today · 4.125%
HK$101,705
baseline
▲ 0.50% · 4.625%
HK$107,066
+HK$5,361/mo
Deposit HK$12.68M · loan HK$19.02M · min. income ≈ HK$203,410/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,191
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$104,338
−HK$3,198/mo
Today · 4.125%
HK$107,536
baseline
▲ 0.50% · 4.625%
HK$114,079
+HK$6,543/mo
Deposit HK$9.51M · loan HK$22.19M · min. income ≈ HK$215,072/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,574
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$115,593
−HK$3,063/mo
Today · 4.125%
HK$118,656
baseline
▲ 0.50% · 4.625%
HK$124,910
+HK$6,254/mo
Deposit HK$9.51M · loan HK$22.19M · min. income ≈ HK$237,312/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,102
−HK$8,159/mo
▼ 0.25% · 3.875%
HK$134,149
−HK$4,112/mo
Today · 4.125%
HK$138,261
baseline
▲ 0.50% · 4.625%
HK$146,674
+HK$8,413/mo
Deposit HK$3.17M · loan HK$28.53M · min. income ≈ HK$276,522/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,737
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$148,619
−HK$3,938/mo
Today · 4.125%
HK$152,557
baseline
▲ 0.50% · 4.625%
HK$160,599
+HK$8,042/mo
Deposit HK$3.17M · loan HK$28.53M · min. income ≈ HK$305,114/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,155 · Scale 2, in force from 26 Feb 2026)