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$71,969
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,208
−HK$2,274/mo
Today · 4.125%
HK$76,482
baseline
▲ 0.50% · 4.625%
HK$81,136
+HK$4,654/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$152,964/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,341,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,065
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,212
−HK$2,179/mo
Today · 4.125%
HK$84,391
baseline
▲ 0.50% · 4.625%
HK$88,839
+HK$4,448/mo
Deposit HK$15.78M · loan HK$15.78M · min. income ≈ HK$168,782/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,341,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,363
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,050
−HK$2,729/mo
Today · 4.125%
HK$91,779
baseline
▲ 0.50% · 4.625%
HK$97,363
+HK$5,584/mo
Deposit HK$12.62M · loan HK$18.94M · min. income ≈ HK$183,558/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,078
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$98,655
−HK$2,614/mo
Today · 4.125%
HK$101,269
baseline
▲ 0.50% · 4.625%
HK$106,607
+HK$5,338/mo
Deposit HK$12.62M · loan HK$18.94M · min. income ≈ HK$202,538/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,341,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,757
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$103,891
−HK$3,184/mo
Today · 4.125%
HK$107,075
baseline
▲ 0.50% · 4.625%
HK$113,591
+HK$6,516/mo
Deposit HK$9.47M · loan HK$22.09M · min. income ≈ HK$214,150/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,091
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$115,097
−HK$3,050/mo
Today · 4.125%
HK$118,147
baseline
▲ 0.50% · 4.625%
HK$124,375
+HK$6,228/mo
Deposit HK$9.47M · loan HK$22.09M · min. income ≈ HK$236,294/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,341,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,545
−HK$8,123/mo
▼ 0.25% · 3.875%
HK$133,574
−HK$4,094/mo
Today · 4.125%
HK$137,668
baseline
▲ 0.50% · 4.625%
HK$146,045
+HK$8,377/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$275,336/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,117
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$147,982
−HK$3,921/mo
Today · 4.125%
HK$151,903
baseline
▲ 0.50% · 4.625%
HK$159,910
+HK$8,007/mo
Deposit HK$3.16M · loan HK$28.41M · min. income ≈ HK$303,806/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,341,382 · Scale 2, in force from 26 Feb 2026)