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$72,110
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,353
−HK$2,279/mo
Today · 4.125%
HK$76,632
baseline
▲ 0.50% · 4.625%
HK$81,295
+HK$4,663/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$153,264/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,222
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,373
−HK$2,183/mo
Today · 4.125%
HK$84,556
baseline
▲ 0.50% · 4.625%
HK$89,013
+HK$4,457/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$169,112/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,532
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,224
−HK$2,735/mo
Today · 4.125%
HK$91,959
baseline
▲ 0.50% · 4.625%
HK$97,554
+HK$5,595/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$183,918/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,344,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,266
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,848
−HK$2,619/mo
Today · 4.125%
HK$101,467
baseline
▲ 0.50% · 4.625%
HK$106,816
+HK$5,349/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$202,934/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,344,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,954
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$104,095
−HK$3,190/mo
Today · 4.125%
HK$107,285
baseline
▲ 0.50% · 4.625%
HK$113,813
+HK$6,528/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$214,570/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,311
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,323
−HK$3,055/mo
Today · 4.125%
HK$118,378
baseline
▲ 0.50% · 4.625%
HK$124,618
+HK$6,240/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$236,756/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,798
−HK$8,140/mo
▼ 0.25% · 3.875%
HK$133,836
−HK$4,102/mo
Today · 4.125%
HK$137,938
baseline
▲ 0.50% · 4.625%
HK$146,331
+HK$8,393/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$275,876/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,399
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$148,272
−HK$3,929/mo
Today · 4.125%
HK$152,201
baseline
▲ 0.50% · 4.625%
HK$160,224
+HK$8,023/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$304,402/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,009 · Scale 2, in force from 26 Feb 2026)