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$72,103
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,345
−HK$2,279/mo
Today · 4.125%
HK$76,624
baseline
▲ 0.50% · 4.625%
HK$81,286
+HK$4,662/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$153,248/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,213
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,365
−HK$2,182/mo
Today · 4.125%
HK$84,547
baseline
▲ 0.50% · 4.625%
HK$89,004
+HK$4,457/mo
Deposit HK$15.81M · loan HK$15.81M · min. income ≈ HK$169,094/mo (50% DSR)
Upfront cash ≈ HK$17.15M (deposit + AVD stamp duty HK$1,343,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,523
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$89,214
−HK$2,735/mo
Today · 4.125%
HK$91,949
baseline
▲ 0.50% · 4.625%
HK$97,544
+HK$5,595/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$183,898/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,256
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,838
−HK$2,618/mo
Today · 4.125%
HK$101,456
baseline
▲ 0.50% · 4.625%
HK$106,804
+HK$5,348/mo
Deposit HK$12.65M · loan HK$18.97M · min. income ≈ HK$202,912/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,343,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,944
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$104,083
−HK$3,191/mo
Today · 4.125%
HK$107,274
baseline
▲ 0.50% · 4.625%
HK$113,801
+HK$6,527/mo
Deposit HK$9.49M · loan HK$22.13M · min. income ≈ HK$214,548/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,299
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,310
−HK$3,056/mo
Today · 4.125%
HK$118,366
baseline
▲ 0.50% · 4.625%
HK$124,605
+HK$6,239/mo
Deposit HK$9.49M · loan HK$22.13M · min. income ≈ HK$236,732/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$1,343,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,785
−HK$8,138/mo
▼ 0.25% · 3.875%
HK$133,822
−HK$4,101/mo
Today · 4.125%
HK$137,923
baseline
▲ 0.50% · 4.625%
HK$146,316
+HK$8,393/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$275,846/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,343,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,384
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$148,256
−HK$3,929/mo
Today · 4.125%
HK$152,185
baseline
▲ 0.50% · 4.625%
HK$160,207
+HK$8,022/mo
Deposit HK$3.16M · loan HK$28.46M · min. income ≈ HK$304,370/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,343,866 · Scale 2, in force from 26 Feb 2026)