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$72,123
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,366
−HK$2,279/mo
Today · 4.125%
HK$76,645
baseline
▲ 0.50% · 4.625%
HK$81,309
+HK$4,664/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$153,290/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,236
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,388
−HK$2,183/mo
Today · 4.125%
HK$84,571
baseline
▲ 0.50% · 4.625%
HK$89,028
+HK$4,457/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$169,142/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,547
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,239
−HK$2,735/mo
Today · 4.125%
HK$91,974
baseline
▲ 0.50% · 4.625%
HK$97,571
+HK$5,597/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$183,948/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,283
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$98,865
−HK$2,620/mo
Today · 4.125%
HK$101,485
baseline
▲ 0.50% · 4.625%
HK$106,834
+HK$5,349/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$202,970/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,972
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$104,112
−HK$3,191/mo
Today · 4.125%
HK$107,303
baseline
▲ 0.50% · 4.625%
HK$113,833
+HK$6,530/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$214,606/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,330
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$115,343
−HK$3,056/mo
Today · 4.125%
HK$118,399
baseline
▲ 0.50% · 4.625%
HK$124,640
+HK$6,241/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$236,798/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,821
−HK$8,141/mo
▼ 0.25% · 3.875%
HK$133,859
−HK$4,103/mo
Today · 4.125%
HK$137,962
baseline
▲ 0.50% · 4.625%
HK$146,356
+HK$8,394/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$275,924/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,424
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$148,298
−HK$3,929/mo
Today · 4.125%
HK$152,227
baseline
▲ 0.50% · 4.625%
HK$160,251
+HK$8,024/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$304,454/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,240 · Scale 2, in force from 26 Feb 2026)