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$72,352
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,603
−HK$2,286/mo
Today · 4.125%
HK$76,889
baseline
▲ 0.50% · 4.625%
HK$81,568
+HK$4,679/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$153,778/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,348,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,491
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,650
−HK$2,190/mo
Today · 4.125%
HK$84,840
baseline
▲ 0.50% · 4.625%
HK$89,312
+HK$4,472/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$169,680/mo (50% DSR)
Upfront cash ≈ HK$17.21M (deposit + AVD stamp duty HK$1,348,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,823
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$89,523
−HK$2,744/mo
Today · 4.125%
HK$92,267
baseline
▲ 0.50% · 4.625%
HK$97,881
+HK$5,614/mo
Deposit HK$12.69M · loan HK$19.04M · min. income ≈ HK$184,534/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,589
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$99,180
−HK$2,628/mo
Today · 4.125%
HK$101,808
baseline
▲ 0.50% · 4.625%
HK$107,174
+HK$5,366/mo
Deposit HK$12.69M · loan HK$19.04M · min. income ≈ HK$203,616/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,348,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,293
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$104,444
−HK$3,201/mo
Today · 4.125%
HK$107,645
baseline
▲ 0.50% · 4.625%
HK$114,195
+HK$6,550/mo
Deposit HK$9.52M · loan HK$22.21M · min. income ≈ HK$215,290/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,348,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,688
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$115,710
−HK$3,066/mo
Today · 4.125%
HK$118,776
baseline
▲ 0.50% · 4.625%
HK$125,037
+HK$6,261/mo
Deposit HK$9.52M · loan HK$22.21M · min. income ≈ HK$237,552/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,348,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,234
−HK$8,167/mo
▼ 0.25% · 3.875%
HK$134,285
−HK$4,116/mo
Today · 4.125%
HK$138,401
baseline
▲ 0.50% · 4.625%
HK$146,822
+HK$8,421/mo
Deposit HK$3.17M · loan HK$28.56M · min. income ≈ HK$276,802/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,884
−HK$7,828/mo
▼ 0.25% · 3.875%
HK$148,770
−HK$3,942/mo
Today · 4.125%
HK$152,712
baseline
▲ 0.50% · 4.625%
HK$160,761
+HK$8,049/mo
Deposit HK$3.17M · loan HK$28.56M · min. income ≈ HK$305,424/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,348,519 · Scale 2, in force from 26 Feb 2026)