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$72,404
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,656
−HK$2,288/mo
Today · 4.125%
HK$76,944
baseline
▲ 0.50% · 4.625%
HK$81,626
+HK$4,682/mo
Deposit HK$15.88M · loan HK$15.88M · min. income ≈ HK$153,888/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,349,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,549
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,709
−HK$2,192/mo
Today · 4.125%
HK$84,901
baseline
▲ 0.50% · 4.625%
HK$89,376
+HK$4,475/mo
Deposit HK$15.88M · loan HK$15.88M · min. income ≈ HK$169,802/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,349,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,885
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$89,588
−HK$2,745/mo
Today · 4.125%
HK$92,333
baseline
▲ 0.50% · 4.625%
HK$97,952
+HK$5,619/mo
Deposit HK$12.70M · loan HK$19.05M · min. income ≈ HK$184,666/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,349,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,659
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,251
−HK$2,630/mo
Today · 4.125%
HK$101,881
baseline
▲ 0.50% · 4.625%
HK$107,251
+HK$5,370/mo
Deposit HK$12.70M · loan HK$19.05M · min. income ≈ HK$203,762/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,349,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,366
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$104,519
−HK$3,203/mo
Today · 4.125%
HK$107,722
baseline
▲ 0.50% · 4.625%
HK$114,277
+HK$6,555/mo
Deposit HK$9.53M · loan HK$22.23M · min. income ≈ HK$215,444/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,349,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,768
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$115,793
−HK$3,068/mo
Today · 4.125%
HK$118,861
baseline
▲ 0.50% · 4.625%
HK$125,126
+HK$6,265/mo
Deposit HK$9.53M · loan HK$22.23M · min. income ≈ HK$237,722/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,349,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,327
−HK$8,173/mo
▼ 0.25% · 3.875%
HK$134,381
−HK$4,119/mo
Today · 4.125%
HK$138,500
baseline
▲ 0.50% · 4.625%
HK$146,927
+HK$8,427/mo
Deposit HK$3.18M · loan HK$28.58M · min. income ≈ HK$277,000/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,349,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,988
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$148,876
−HK$3,945/mo
Today · 4.125%
HK$152,821
baseline
▲ 0.50% · 4.625%
HK$160,877
+HK$8,056/mo
Deposit HK$3.18M · loan HK$28.58M · min. income ≈ HK$305,642/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,349,487 · Scale 2, in force from 26 Feb 2026)