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$72,241
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,488
−HK$2,283/mo
Today · 4.125%
HK$76,771
baseline
▲ 0.50% · 4.625%
HK$81,443
+HK$4,672/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$153,542/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,346,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,367
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,523
−HK$2,186/mo
Today · 4.125%
HK$84,709
baseline
▲ 0.50% · 4.625%
HK$89,175
+HK$4,466/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$169,418/mo (50% DSR)
Upfront cash ≈ HK$17.19M (deposit + AVD stamp duty HK$1,346,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,689
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,386
−HK$2,739/mo
Today · 4.125%
HK$92,125
baseline
▲ 0.50% · 4.625%
HK$97,731
+HK$5,606/mo
Deposit HK$12.67M · loan HK$19.01M · min. income ≈ HK$184,250/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,441
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,027
−HK$2,624/mo
Today · 4.125%
HK$101,651
baseline
▲ 0.50% · 4.625%
HK$107,010
+HK$5,359/mo
Deposit HK$12.67M · loan HK$19.01M · min. income ≈ HK$203,302/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,138
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$104,283
−HK$3,197/mo
Today · 4.125%
HK$107,480
baseline
▲ 0.50% · 4.625%
HK$114,020
+HK$6,540/mo
Deposit HK$9.50M · loan HK$22.18M · min. income ≈ HK$214,960/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,514
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$115,532
−HK$3,061/mo
Today · 4.125%
HK$118,593
baseline
▲ 0.50% · 4.625%
HK$124,844
+HK$6,251/mo
Deposit HK$9.50M · loan HK$22.18M · min. income ≈ HK$237,186/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,034
−HK$8,154/mo
▼ 0.25% · 3.875%
HK$134,079
−HK$4,109/mo
Today · 4.125%
HK$138,188
baseline
▲ 0.50% · 4.625%
HK$146,597
+HK$8,409/mo
Deposit HK$3.17M · loan HK$28.51M · min. income ≈ HK$276,376/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,346,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,661
−HK$7,816/mo
▼ 0.25% · 3.875%
HK$148,541
−HK$3,936/mo
Today · 4.125%
HK$152,477
baseline
▲ 0.50% · 4.625%
HK$160,514
+HK$8,037/mo
Deposit HK$3.17M · loan HK$28.51M · min. income ≈ HK$304,954/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,346,448 · Scale 2, in force from 26 Feb 2026)