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$72,312
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,562
−HK$2,285/mo
Today · 4.125%
HK$76,847
baseline
▲ 0.50% · 4.625%
HK$81,523
+HK$4,676/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$153,694/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,447
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,604
−HK$2,189/mo
Today · 4.125%
HK$84,793
baseline
▲ 0.50% · 4.625%
HK$89,262
+HK$4,469/mo
Deposit HK$15.86M · loan HK$15.86M · min. income ≈ HK$169,586/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,347,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,775
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,474
−HK$2,742/mo
Today · 4.125%
HK$92,216
baseline
▲ 0.50% · 4.625%
HK$97,827
+HK$5,611/mo
Deposit HK$12.68M · loan HK$19.03M · min. income ≈ HK$184,432/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,536
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,125
−HK$2,626/mo
Today · 4.125%
HK$101,751
baseline
▲ 0.50% · 4.625%
HK$107,115
+HK$5,364/mo
Deposit HK$12.68M · loan HK$19.03M · min. income ≈ HK$203,502/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,347,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,237
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$104,386
−HK$3,200/mo
Today · 4.125%
HK$107,586
baseline
▲ 0.50% · 4.625%
HK$114,132
+HK$6,546/mo
Deposit HK$9.51M · loan HK$22.20M · min. income ≈ HK$215,172/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,625
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$115,646
−HK$3,064/mo
Today · 4.125%
HK$118,710
baseline
▲ 0.50% · 4.625%
HK$124,967
+HK$6,257/mo
Deposit HK$9.51M · loan HK$22.20M · min. income ≈ HK$237,420/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,347,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,162
−HK$8,162/mo
▼ 0.25% · 3.875%
HK$134,211
−HK$4,113/mo
Today · 4.125%
HK$138,324
baseline
▲ 0.50% · 4.625%
HK$146,741
+HK$8,417/mo
Deposit HK$3.17M · loan HK$28.54M · min. income ≈ HK$276,648/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,804
−HK$7,823/mo
▼ 0.25% · 3.875%
HK$148,687
−HK$3,940/mo
Today · 4.125%
HK$152,627
baseline
▲ 0.50% · 4.625%
HK$160,672
+HK$8,045/mo
Deposit HK$3.17M · loan HK$28.54M · min. income ≈ HK$305,254/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,347,774 · Scale 2, in force from 26 Feb 2026)