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$71,682
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,912
−HK$2,265/mo
Today · 4.125%
HK$76,177
baseline
▲ 0.50% · 4.625%
HK$80,812
+HK$4,635/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$152,354/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,336,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,746
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,884
−HK$2,170/mo
Today · 4.125%
HK$84,054
baseline
▲ 0.50% · 4.625%
HK$88,485
+HK$4,431/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$168,108/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,336,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,018
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,694
−HK$2,719/mo
Today · 4.125%
HK$91,413
baseline
▲ 0.50% · 4.625%
HK$96,975
+HK$5,562/mo
Deposit HK$12.57M · loan HK$18.86M · min. income ≈ HK$182,826/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,336,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,695
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,261
−HK$2,604/mo
Today · 4.125%
HK$100,865
baseline
▲ 0.50% · 4.625%
HK$106,181
+HK$5,316/mo
Deposit HK$12.57M · loan HK$18.86M · min. income ≈ HK$201,730/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,336,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,355
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$103,476
−HK$3,172/mo
Today · 4.125%
HK$106,648
baseline
▲ 0.50% · 4.625%
HK$113,137
+HK$6,489/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$213,296/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,644
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$114,638
−HK$3,037/mo
Today · 4.125%
HK$117,675
baseline
▲ 0.50% · 4.625%
HK$123,878
+HK$6,203/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$235,350/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,028
−HK$8,091/mo
▼ 0.25% · 3.875%
HK$133,041
−HK$4,078/mo
Today · 4.125%
HK$137,119
baseline
▲ 0.50% · 4.625%
HK$145,462
+HK$8,343/mo
Deposit HK$3.14M · loan HK$28.29M · min. income ≈ HK$274,238/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,542
−HK$7,755/mo
▼ 0.25% · 3.875%
HK$147,392
−HK$3,905/mo
Today · 4.125%
HK$151,297
baseline
▲ 0.50% · 4.625%
HK$159,272
+HK$7,975/mo
Deposit HK$3.14M · loan HK$28.29M · min. income ≈ HK$302,594/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,028 · Scale 2, in force from 26 Feb 2026)