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$72,095
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,337
−HK$2,279/mo
Today · 4.125%
HK$76,616
baseline
▲ 0.50% · 4.625%
HK$81,278
+HK$4,662/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$153,232/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,205
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,356
−HK$2,182/mo
Today · 4.125%
HK$84,538
baseline
▲ 0.50% · 4.625%
HK$88,994
+HK$4,456/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$169,076/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,514
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$89,205
−HK$2,734/mo
Today · 4.125%
HK$91,939
baseline
▲ 0.50% · 4.625%
HK$97,533
+HK$5,594/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$183,878/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,246
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$98,827
−HK$2,618/mo
Today · 4.125%
HK$101,445
baseline
▲ 0.50% · 4.625%
HK$106,793
+HK$5,348/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$202,890/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,933
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$104,072
−HK$3,190/mo
Today · 4.125%
HK$107,262
baseline
▲ 0.50% · 4.625%
HK$113,789
+HK$6,527/mo
Deposit HK$9.49M · loan HK$22.13M · min. income ≈ HK$214,524/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,286
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,298
−HK$3,055/mo
Today · 4.125%
HK$118,353
baseline
▲ 0.50% · 4.625%
HK$124,592
+HK$6,239/mo
Deposit HK$9.49M · loan HK$22.13M · min. income ≈ HK$236,706/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,770
−HK$8,138/mo
▼ 0.25% · 3.875%
HK$133,807
−HK$4,101/mo
Today · 4.125%
HK$137,908
baseline
▲ 0.50% · 4.625%
HK$146,300
+HK$8,392/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$275,816/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,343,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,368
−HK$7,800/mo
▼ 0.25% · 3.875%
HK$148,240
−HK$3,928/mo
Today · 4.125%
HK$152,168
baseline
▲ 0.50% · 4.625%
HK$160,189
+HK$8,021/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$304,336/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,343,720 · Scale 2, in force from 26 Feb 2026)