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$72,191
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,436
−HK$2,282/mo
Today · 4.125%
HK$76,718
baseline
▲ 0.50% · 4.625%
HK$81,386
+HK$4,668/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$153,436/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,345,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,311
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,465
−HK$2,185/mo
Today · 4.125%
HK$84,650
baseline
▲ 0.50% · 4.625%
HK$89,112
+HK$4,462/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$169,300/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,345,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,629
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,323
−HK$2,738/mo
Today · 4.125%
HK$92,061
baseline
▲ 0.50% · 4.625%
HK$97,663
+HK$5,602/mo
Deposit HK$12.66M · loan HK$19.00M · min. income ≈ HK$184,122/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,374
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$98,958
−HK$2,622/mo
Today · 4.125%
HK$101,580
baseline
▲ 0.50% · 4.625%
HK$106,935
+HK$5,355/mo
Deposit HK$12.66M · loan HK$19.00M · min. income ≈ HK$203,160/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,067
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$104,211
−HK$3,194/mo
Today · 4.125%
HK$107,405
baseline
▲ 0.50% · 4.625%
HK$113,940
+HK$6,535/mo
Deposit HK$9.50M · loan HK$22.16M · min. income ≈ HK$214,810/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,345,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,436
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$115,451
−HK$3,059/mo
Today · 4.125%
HK$118,510
baseline
▲ 0.50% · 4.625%
HK$124,757
+HK$6,247/mo
Deposit HK$9.50M · loan HK$22.16M · min. income ≈ HK$237,020/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,345,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,943
−HK$8,149/mo
▼ 0.25% · 3.875%
HK$133,985
−HK$4,107/mo
Today · 4.125%
HK$138,092
baseline
▲ 0.50% · 4.625%
HK$146,494
+HK$8,402/mo
Deposit HK$3.17M · loan HK$28.49M · min. income ≈ HK$276,184/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,560
−HK$7,811/mo
▼ 0.25% · 3.875%
HK$148,437
−HK$3,934/mo
Today · 4.125%
HK$152,371
baseline
▲ 0.50% · 4.625%
HK$160,402
+HK$8,031/mo
Deposit HK$3.17M · loan HK$28.49M · min. income ≈ HK$304,742/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,508 · Scale 2, in force from 26 Feb 2026)