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$72,304
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,554
−HK$2,285/mo
Today · 4.125%
HK$76,839
baseline
▲ 0.50% · 4.625%
HK$81,514
+HK$4,675/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$153,678/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,438
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,595
−HK$2,189/mo
Today · 4.125%
HK$84,784
baseline
▲ 0.50% · 4.625%
HK$89,253
+HK$4,469/mo
Deposit HK$15.85M · loan HK$15.85M · min. income ≈ HK$169,568/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,765
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,464
−HK$2,742/mo
Today · 4.125%
HK$92,206
baseline
▲ 0.50% · 4.625%
HK$97,817
+HK$5,611/mo
Deposit HK$12.68M · loan HK$19.03M · min. income ≈ HK$184,412/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,526
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,114
−HK$2,627/mo
Today · 4.125%
HK$101,741
baseline
▲ 0.50% · 4.625%
HK$107,103
+HK$5,362/mo
Deposit HK$12.68M · loan HK$19.03M · min. income ≈ HK$203,482/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,226
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$104,375
−HK$3,199/mo
Today · 4.125%
HK$107,574
baseline
▲ 0.50% · 4.625%
HK$114,120
+HK$6,546/mo
Deposit HK$9.51M · loan HK$22.20M · min. income ≈ HK$215,148/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,613
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$115,633
−HK$3,064/mo
Today · 4.125%
HK$118,697
baseline
▲ 0.50% · 4.625%
HK$124,954
+HK$6,257/mo
Deposit HK$9.51M · loan HK$22.20M · min. income ≈ HK$237,394/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,148
−HK$8,161/mo
▼ 0.25% · 3.875%
HK$134,196
−HK$4,113/mo
Today · 4.125%
HK$138,309
baseline
▲ 0.50% · 4.625%
HK$146,725
+HK$8,416/mo
Deposit HK$3.17M · loan HK$28.54M · min. income ≈ HK$276,618/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,788
−HK$7,823/mo
▼ 0.25% · 3.875%
HK$148,672
−HK$3,939/mo
Today · 4.125%
HK$152,611
baseline
▲ 0.50% · 4.625%
HK$160,655
+HK$8,044/mo
Deposit HK$3.17M · loan HK$28.54M · min. income ≈ HK$305,222/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,629 · Scale 2, in force from 26 Feb 2026)