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$72,033
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,274
−HK$2,276/mo
Today · 4.125%
HK$76,550
baseline
▲ 0.50% · 4.625%
HK$81,208
+HK$4,658/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$153,100/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,136
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,285
−HK$2,180/mo
Today · 4.125%
HK$84,465
baseline
▲ 0.50% · 4.625%
HK$88,918
+HK$4,453/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$168,930/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,440
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$89,128
−HK$2,732/mo
Today · 4.125%
HK$91,860
baseline
▲ 0.50% · 4.625%
HK$97,450
+HK$5,590/mo
Deposit HK$12.64M · loan HK$18.95M · min. income ≈ HK$183,720/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,163
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,742
−HK$2,617/mo
Today · 4.125%
HK$101,359
baseline
▲ 0.50% · 4.625%
HK$106,701
+HK$5,342/mo
Deposit HK$12.64M · loan HK$18.95M · min. income ≈ HK$202,718/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,846
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,983
−HK$3,187/mo
Today · 4.125%
HK$107,170
baseline
▲ 0.50% · 4.625%
HK$113,691
+HK$6,521/mo
Deposit HK$9.48M · loan HK$22.11M · min. income ≈ HK$214,340/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,190
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$115,199
−HK$3,053/mo
Today · 4.125%
HK$118,252
baseline
▲ 0.50% · 4.625%
HK$124,485
+HK$6,233/mo
Deposit HK$9.48M · loan HK$22.11M · min. income ≈ HK$236,504/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,659
−HK$8,131/mo
▼ 0.25% · 3.875%
HK$133,692
−HK$4,098/mo
Today · 4.125%
HK$137,790
baseline
▲ 0.50% · 4.625%
HK$146,174
+HK$8,384/mo
Deposit HK$3.16M · loan HK$28.43M · min. income ≈ HK$275,580/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,245
−HK$7,793/mo
▼ 0.25% · 3.875%
HK$148,113
−HK$3,925/mo
Today · 4.125%
HK$152,038
baseline
▲ 0.50% · 4.625%
HK$160,052
+HK$8,014/mo
Deposit HK$3.16M · loan HK$28.43M · min. income ≈ HK$304,076/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,569 · Scale 2, in force from 26 Feb 2026)