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$72,316
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,566
−HK$2,285/mo
Today · 4.125%
HK$76,851
baseline
▲ 0.50% · 4.625%
HK$81,527
+HK$4,676/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$153,702/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,451
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,609
−HK$2,188/mo
Today · 4.125%
HK$84,797
baseline
▲ 0.50% · 4.625%
HK$89,267
+HK$4,470/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$169,594/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,779
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$89,479
−HK$2,742/mo
Today · 4.125%
HK$92,221
baseline
▲ 0.50% · 4.625%
HK$97,833
+HK$5,612/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$184,442/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,541
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$99,130
−HK$2,627/mo
Today · 4.125%
HK$101,757
baseline
▲ 0.50% · 4.625%
HK$107,121
+HK$5,364/mo
Deposit HK$12.69M · loan HK$19.03M · min. income ≈ HK$203,514/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,243
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$104,392
−HK$3,199/mo
Today · 4.125%
HK$107,591
baseline
▲ 0.50% · 4.625%
HK$114,138
+HK$6,547/mo
Deposit HK$9.51M · loan HK$22.20M · min. income ≈ HK$215,182/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,631
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$115,652
−HK$3,064/mo
Today · 4.125%
HK$118,716
baseline
▲ 0.50% · 4.625%
HK$124,974
+HK$6,258/mo
Deposit HK$9.51M · loan HK$22.20M · min. income ≈ HK$237,432/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,169
−HK$8,163/mo
▼ 0.25% · 3.875%
HK$134,218
−HK$4,114/mo
Today · 4.125%
HK$138,332
baseline
▲ 0.50% · 4.625%
HK$146,749
+HK$8,417/mo
Deposit HK$3.17M · loan HK$28.54M · min. income ≈ HK$276,664/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,812
−HK$7,823/mo
▼ 0.25% · 3.875%
HK$148,695
−HK$3,940/mo
Today · 4.125%
HK$152,635
baseline
▲ 0.50% · 4.625%
HK$160,681
+HK$8,046/mo
Deposit HK$3.17M · loan HK$28.54M · min. income ≈ HK$305,270/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,846 · Scale 2, in force from 26 Feb 2026)