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$72,222
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,468
−HK$2,283/mo
Today · 4.125%
HK$76,751
baseline
▲ 0.50% · 4.625%
HK$81,421
+HK$4,670/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$153,502/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,346,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,346
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,501
−HK$2,186/mo
Today · 4.125%
HK$84,687
baseline
▲ 0.50% · 4.625%
HK$89,151
+HK$4,464/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$169,374/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,346,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,666
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$89,362
−HK$2,739/mo
Today · 4.125%
HK$92,101
baseline
▲ 0.50% · 4.625%
HK$97,705
+HK$5,604/mo
Deposit HK$12.67M · loan HK$19.00M · min. income ≈ HK$184,202/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,415
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$99,001
−HK$2,623/mo
Today · 4.125%
HK$101,624
baseline
▲ 0.50% · 4.625%
HK$106,981
+HK$5,357/mo
Deposit HK$12.67M · loan HK$19.00M · min. income ≈ HK$203,248/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,111
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$104,256
−HK$3,195/mo
Today · 4.125%
HK$107,451
baseline
▲ 0.50% · 4.625%
HK$113,989
+HK$6,538/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$214,902/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,484
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$115,501
−HK$3,061/mo
Today · 4.125%
HK$118,562
baseline
▲ 0.50% · 4.625%
HK$124,811
+HK$6,249/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$237,124/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,999
−HK$8,152/mo
▼ 0.25% · 3.875%
HK$134,043
−HK$4,108/mo
Today · 4.125%
HK$138,151
baseline
▲ 0.50% · 4.625%
HK$146,558
+HK$8,407/mo
Deposit HK$3.17M · loan HK$28.51M · min. income ≈ HK$276,302/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,346,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,623
−HK$7,813/mo
▼ 0.25% · 3.875%
HK$148,502
−HK$3,934/mo
Today · 4.125%
HK$152,436
baseline
▲ 0.50% · 4.625%
HK$160,472
+HK$8,036/mo
Deposit HK$3.17M · loan HK$28.51M · min. income ≈ HK$304,872/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,346,089 · Scale 2, in force from 26 Feb 2026)