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$71,775
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$74,007
−HK$2,268/mo
Today · 4.125%
HK$76,275
baseline
▲ 0.50% · 4.625%
HK$80,917
+HK$4,642/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$152,550/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,337,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,848
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,990
−HK$2,172/mo
Today · 4.125%
HK$84,162
baseline
▲ 0.50% · 4.625%
HK$88,599
+HK$4,437/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$168,324/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,337,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,129
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$88,809
−HK$2,721/mo
Today · 4.125%
HK$91,530
baseline
▲ 0.50% · 4.625%
HK$97,100
+HK$5,570/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$183,060/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,818
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$98,388
−HK$2,607/mo
Today · 4.125%
HK$100,995
baseline
▲ 0.50% · 4.625%
HK$106,318
+HK$5,323/mo
Deposit HK$12.59M · loan HK$18.89M · min. income ≈ HK$201,990/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,337,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,484
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$103,610
−HK$3,176/mo
Today · 4.125%
HK$106,786
baseline
▲ 0.50% · 4.625%
HK$113,283
+HK$6,497/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$213,572/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,788
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$114,786
−HK$3,041/mo
Today · 4.125%
HK$117,827
baseline
▲ 0.50% · 4.625%
HK$124,038
+HK$6,211/mo
Deposit HK$9.44M · loan HK$22.03M · min. income ≈ HK$235,654/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,194
−HK$8,102/mo
▼ 0.25% · 3.875%
HK$133,213
−HK$4,083/mo
Today · 4.125%
HK$137,296
baseline
▲ 0.50% · 4.625%
HK$145,650
+HK$8,354/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$274,592/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,727
−HK$7,765/mo
▼ 0.25% · 3.875%
HK$147,582
−HK$3,910/mo
Today · 4.125%
HK$151,492
baseline
▲ 0.50% · 4.625%
HK$159,478
+HK$7,986/mo
Deposit HK$3.15M · loan HK$28.33M · min. income ≈ HK$302,984/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,337,752 · Scale 2, in force from 26 Feb 2026)