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$72,398
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,650
−HK$2,288/mo
Today · 4.125%
HK$76,938
baseline
▲ 0.50% · 4.625%
HK$81,620
+HK$4,682/mo
Deposit HK$15.88M · loan HK$15.88M · min. income ≈ HK$153,876/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,349,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,542
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,702
−HK$2,192/mo
Today · 4.125%
HK$84,894
baseline
▲ 0.50% · 4.625%
HK$89,369
+HK$4,475/mo
Deposit HK$15.88M · loan HK$15.88M · min. income ≈ HK$169,788/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,349,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,878
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$89,580
−HK$2,746/mo
Today · 4.125%
HK$92,326
baseline
▲ 0.50% · 4.625%
HK$97,944
+HK$5,618/mo
Deposit HK$12.70M · loan HK$19.05M · min. income ≈ HK$184,652/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,349,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,651
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,243
−HK$2,629/mo
Today · 4.125%
HK$101,872
baseline
▲ 0.50% · 4.625%
HK$107,242
+HK$5,370/mo
Deposit HK$12.70M · loan HK$19.05M · min. income ≈ HK$203,744/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,349,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,357
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$104,510
−HK$3,204/mo
Today · 4.125%
HK$107,714
baseline
▲ 0.50% · 4.625%
HK$114,268
+HK$6,554/mo
Deposit HK$9.53M · loan HK$22.23M · min. income ≈ HK$215,428/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,349,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,759
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$115,783
−HK$3,068/mo
Today · 4.125%
HK$118,851
baseline
▲ 0.50% · 4.625%
HK$125,116
+HK$6,265/mo
Deposit HK$9.53M · loan HK$22.23M · min. income ≈ HK$237,702/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,349,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,317
−HK$8,172/mo
▼ 0.25% · 3.875%
HK$134,370
−HK$4,119/mo
Today · 4.125%
HK$138,489
baseline
▲ 0.50% · 4.625%
HK$146,916
+HK$8,427/mo
Deposit HK$3.18M · loan HK$28.58M · min. income ≈ HK$276,978/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,349,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,976
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$148,864
−HK$3,945/mo
Today · 4.125%
HK$152,809
baseline
▲ 0.50% · 4.625%
HK$160,863
+HK$8,054/mo
Deposit HK$3.18M · loan HK$28.58M · min. income ≈ HK$305,618/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,349,377 · Scale 2, in force from 26 Feb 2026)