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$72,030
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,271
−HK$2,276/mo
Today · 4.125%
HK$76,547
baseline
▲ 0.50% · 4.625%
HK$81,205
+HK$4,658/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$153,094/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,133
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,282
−HK$2,180/mo
Today · 4.125%
HK$84,462
baseline
▲ 0.50% · 4.625%
HK$88,914
+HK$4,452/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$168,924/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,436
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$89,125
−HK$2,731/mo
Today · 4.125%
HK$91,856
baseline
▲ 0.50% · 4.625%
HK$97,446
+HK$5,590/mo
Deposit HK$12.64M · loan HK$18.95M · min. income ≈ HK$183,712/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,159
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,738
−HK$2,616/mo
Today · 4.125%
HK$101,354
baseline
▲ 0.50% · 4.625%
HK$106,697
+HK$5,343/mo
Deposit HK$12.64M · loan HK$18.95M · min. income ≈ HK$202,708/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,842
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,979
−HK$3,187/mo
Today · 4.125%
HK$107,166
baseline
▲ 0.50% · 4.625%
HK$113,687
+HK$6,521/mo
Deposit HK$9.48M · loan HK$22.11M · min. income ≈ HK$214,332/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,186
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$115,195
−HK$3,052/mo
Today · 4.125%
HK$118,247
baseline
▲ 0.50% · 4.625%
HK$124,480
+HK$6,233/mo
Deposit HK$9.48M · loan HK$22.11M · min. income ≈ HK$236,494/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,654
−HK$8,131/mo
▼ 0.25% · 3.875%
HK$133,687
−HK$4,098/mo
Today · 4.125%
HK$137,785
baseline
▲ 0.50% · 4.625%
HK$146,168
+HK$8,383/mo
Deposit HK$3.16M · loan HK$28.43M · min. income ≈ HK$275,570/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,239
−HK$7,793/mo
▼ 0.25% · 3.875%
HK$148,107
−HK$3,925/mo
Today · 4.125%
HK$152,032
baseline
▲ 0.50% · 4.625%
HK$160,046
+HK$8,014/mo
Deposit HK$3.16M · loan HK$28.43M · min. income ≈ HK$304,064/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,516 · Scale 2, in force from 26 Feb 2026)