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$72,078
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$74,320
−HK$2,278/mo
Today · 4.125%
HK$76,598
baseline
▲ 0.50% · 4.625%
HK$81,259
+HK$4,661/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$153,196/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,186
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,337
−HK$2,181/mo
Today · 4.125%
HK$84,518
baseline
▲ 0.50% · 4.625%
HK$88,973
+HK$4,455/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$169,036/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,494
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$89,184
−HK$2,733/mo
Today · 4.125%
HK$91,917
baseline
▲ 0.50% · 4.625%
HK$97,510
+HK$5,593/mo
Deposit HK$12.64M · loan HK$18.97M · min. income ≈ HK$183,834/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,223
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$98,804
−HK$2,618/mo
Today · 4.125%
HK$101,422
baseline
▲ 0.50% · 4.625%
HK$106,768
+HK$5,346/mo
Deposit HK$12.64M · loan HK$18.97M · min. income ≈ HK$202,844/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,909
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$104,048
−HK$3,189/mo
Today · 4.125%
HK$107,237
baseline
▲ 0.50% · 4.625%
HK$113,762
+HK$6,525/mo
Deposit HK$9.48M · loan HK$22.13M · min. income ≈ HK$214,474/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,260
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$115,271
−HK$3,055/mo
Today · 4.125%
HK$118,326
baseline
▲ 0.50% · 4.625%
HK$124,563
+HK$6,237/mo
Deposit HK$9.48M · loan HK$22.13M · min. income ≈ HK$236,652/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,740
−HK$8,136/mo
▼ 0.25% · 3.875%
HK$133,776
−HK$4,100/mo
Today · 4.125%
HK$137,876
baseline
▲ 0.50% · 4.625%
HK$146,266
+HK$8,390/mo
Deposit HK$3.16M · loan HK$28.45M · min. income ≈ HK$275,752/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,343,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,335
−HK$7,798/mo
▼ 0.25% · 3.875%
HK$148,206
−HK$3,927/mo
Today · 4.125%
HK$152,133
baseline
▲ 0.50% · 4.625%
HK$160,152
+HK$8,019/mo
Deposit HK$3.16M · loan HK$28.45M · min. income ≈ HK$304,266/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,343,408 · Scale 2, in force from 26 Feb 2026)