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$72,476
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,730
−HK$2,290/mo
Today · 4.125%
HK$77,020
baseline
▲ 0.50% · 4.625%
HK$81,707
+HK$4,687/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$154,040/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,350,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,628
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,791
−HK$2,193/mo
Today · 4.125%
HK$84,984
baseline
▲ 0.50% · 4.625%
HK$89,464
+HK$4,480/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$169,968/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,350,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,971
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,676
−HK$2,748/mo
Today · 4.125%
HK$92,424
baseline
▲ 0.50% · 4.625%
HK$98,048
+HK$5,624/mo
Deposit HK$12.71M · loan HK$19.07M · min. income ≈ HK$184,848/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,350,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,754
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,349
−HK$2,632/mo
Today · 4.125%
HK$101,981
baseline
▲ 0.50% · 4.625%
HK$107,357
+HK$5,376/mo
Deposit HK$12.71M · loan HK$19.07M · min. income ≈ HK$203,962/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,350,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,466
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$104,622
−HK$3,207/mo
Today · 4.125%
HK$107,829
baseline
▲ 0.50% · 4.625%
HK$114,390
+HK$6,561/mo
Deposit HK$9.54M · loan HK$22.25M · min. income ≈ HK$215,658/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,350,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,880
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$115,907
−HK$3,071/mo
Today · 4.125%
HK$118,978
baseline
▲ 0.50% · 4.625%
HK$125,250
+HK$6,272/mo
Deposit HK$9.54M · loan HK$22.25M · min. income ≈ HK$237,956/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,350,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,456
−HK$8,181/mo
▼ 0.25% · 3.875%
HK$134,514
−HK$4,123/mo
Today · 4.125%
HK$138,637
baseline
▲ 0.50% · 4.625%
HK$147,072
+HK$8,435/mo
Deposit HK$3.18M · loan HK$28.61M · min. income ≈ HK$277,274/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,131
−HK$7,841/mo
▼ 0.25% · 3.875%
HK$149,023
−HK$3,949/mo
Today · 4.125%
HK$152,972
baseline
▲ 0.50% · 4.625%
HK$161,035
+HK$8,063/mo
Deposit HK$3.18M · loan HK$28.61M · min. income ≈ HK$305,944/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,818 · Scale 2, in force from 26 Feb 2026)