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$71,998
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,237
−HK$2,275/mo
Today · 4.125%
HK$76,512
baseline
▲ 0.50% · 4.625%
HK$81,168
+HK$4,656/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$153,024/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,341,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,097
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,245
−HK$2,179/mo
Today · 4.125%
HK$84,424
baseline
▲ 0.50% · 4.625%
HK$88,874
+HK$4,450/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$168,848/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,341,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,397
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,085
−HK$2,730/mo
Today · 4.125%
HK$91,815
baseline
▲ 0.50% · 4.625%
HK$97,402
+HK$5,587/mo
Deposit HK$12.63M · loan HK$18.94M · min. income ≈ HK$183,630/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,116
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,694
−HK$2,615/mo
Today · 4.125%
HK$101,309
baseline
▲ 0.50% · 4.625%
HK$106,649
+HK$5,340/mo
Deposit HK$12.63M · loan HK$18.94M · min. income ≈ HK$202,618/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,797
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,932
−HK$3,185/mo
Today · 4.125%
HK$107,117
baseline
▲ 0.50% · 4.625%
HK$113,635
+HK$6,518/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$214,234/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,135
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,143
−HK$3,051/mo
Today · 4.125%
HK$118,194
baseline
▲ 0.50% · 4.625%
HK$124,424
+HK$6,230/mo
Deposit HK$9.47M · loan HK$22.10M · min. income ≈ HK$236,388/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,596
−HK$8,126/mo
▼ 0.25% · 3.875%
HK$133,627
−HK$4,095/mo
Today · 4.125%
HK$137,722
baseline
▲ 0.50% · 4.625%
HK$146,103
+HK$8,381/mo
Deposit HK$3.16M · loan HK$28.42M · min. income ≈ HK$275,444/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,174
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$148,041
−HK$3,922/mo
Today · 4.125%
HK$151,963
baseline
▲ 0.50% · 4.625%
HK$159,973
+HK$8,010/mo
Deposit HK$3.16M · loan HK$28.42M · min. income ≈ HK$303,926/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,910 · Scale 2, in force from 26 Feb 2026)