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$71,879
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,114
−HK$2,272/mo
Today · 4.125%
HK$76,386
baseline
▲ 0.50% · 4.625%
HK$81,034
+HK$4,648/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$152,772/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,964
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,109
−HK$2,175/mo
Today · 4.125%
HK$84,284
baseline
▲ 0.50% · 4.625%
HK$88,727
+HK$4,443/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$168,568/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,254
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,937
−HK$2,726/mo
Today · 4.125%
HK$91,663
baseline
▲ 0.50% · 4.625%
HK$97,241
+HK$5,578/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$183,326/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,957
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$98,530
−HK$2,611/mo
Today · 4.125%
HK$101,141
baseline
▲ 0.50% · 4.625%
HK$106,473
+HK$5,332/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$202,282/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,630
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$103,760
−HK$3,180/mo
Today · 4.125%
HK$106,940
baseline
▲ 0.50% · 4.625%
HK$113,447
+HK$6,507/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$213,880/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,950
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$114,952
−HK$3,046/mo
Today · 4.125%
HK$117,998
baseline
▲ 0.50% · 4.625%
HK$124,218
+HK$6,220/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$235,996/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,381
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$133,406
−HK$4,089/mo
Today · 4.125%
HK$137,495
baseline
▲ 0.50% · 4.625%
HK$145,861
+HK$8,366/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$274,990/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,935
−HK$7,777/mo
▼ 0.25% · 3.875%
HK$147,796
−HK$3,916/mo
Today · 4.125%
HK$151,712
baseline
▲ 0.50% · 4.625%
HK$159,709
+HK$7,997/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$303,424/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,691 · Scale 2, in force from 26 Feb 2026)