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$72,125
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,368
−HK$2,280/mo
Today · 4.125%
HK$76,648
baseline
▲ 0.50% · 4.625%
HK$81,312
+HK$4,664/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$153,296/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,238
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,390
−HK$2,183/mo
Today · 4.125%
HK$84,573
baseline
▲ 0.50% · 4.625%
HK$89,031
+HK$4,458/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$169,146/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,550
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,242
−HK$2,735/mo
Today · 4.125%
HK$91,977
baseline
▲ 0.50% · 4.625%
HK$97,574
+HK$5,597/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$183,954/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,286
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$98,868
−HK$2,620/mo
Today · 4.125%
HK$101,488
baseline
▲ 0.50% · 4.625%
HK$106,837
+HK$5,349/mo
Deposit HK$12.65M · loan HK$18.98M · min. income ≈ HK$202,976/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,975
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$104,116
−HK$3,191/mo
Today · 4.125%
HK$107,307
baseline
▲ 0.50% · 4.625%
HK$113,836
+HK$6,529/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$214,614/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,333
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$115,346
−HK$3,056/mo
Today · 4.125%
HK$118,402
baseline
▲ 0.50% · 4.625%
HK$124,644
+HK$6,242/mo
Deposit HK$9.49M · loan HK$22.14M · min. income ≈ HK$236,804/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,344,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,825
−HK$8,141/mo
▼ 0.25% · 3.875%
HK$133,863
−HK$4,103/mo
Today · 4.125%
HK$137,966
baseline
▲ 0.50% · 4.625%
HK$146,361
+HK$8,395/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$275,932/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,429
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$148,302
−HK$3,930/mo
Today · 4.125%
HK$152,232
baseline
▲ 0.50% · 4.625%
HK$160,256
+HK$8,024/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$304,464/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,282 · Scale 2, in force from 26 Feb 2026)