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$72,230
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,476
−HK$2,283/mo
Today · 4.125%
HK$76,759
baseline
▲ 0.50% · 4.625%
HK$81,430
+HK$4,671/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$153,518/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,346,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,355
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,510
−HK$2,186/mo
Today · 4.125%
HK$84,696
baseline
▲ 0.50% · 4.625%
HK$89,161
+HK$4,465/mo
Deposit HK$15.84M · loan HK$15.84M · min. income ≈ HK$169,392/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,346,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,676
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$89,372
−HK$2,739/mo
Today · 4.125%
HK$92,111
baseline
▲ 0.50% · 4.625%
HK$97,716
+HK$5,605/mo
Deposit HK$12.67M · loan HK$19.01M · min. income ≈ HK$184,222/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,426
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$99,012
−HK$2,623/mo
Today · 4.125%
HK$101,635
baseline
▲ 0.50% · 4.625%
HK$106,993
+HK$5,358/mo
Deposit HK$12.67M · loan HK$19.01M · min. income ≈ HK$203,270/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,346,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,122
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$104,267
−HK$3,196/mo
Today · 4.125%
HK$107,463
baseline
▲ 0.50% · 4.625%
HK$114,002
+HK$6,539/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$214,926/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,497
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$115,514
−HK$3,061/mo
Today · 4.125%
HK$118,575
baseline
▲ 0.50% · 4.625%
HK$124,825
+HK$6,250/mo
Deposit HK$9.50M · loan HK$22.17M · min. income ≈ HK$237,150/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,346,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,013
−HK$8,153/mo
▼ 0.25% · 3.875%
HK$134,058
−HK$4,108/mo
Today · 4.125%
HK$138,166
baseline
▲ 0.50% · 4.625%
HK$146,574
+HK$8,408/mo
Deposit HK$3.17M · loan HK$28.51M · min. income ≈ HK$276,332/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,346,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,639
−HK$7,814/mo
▼ 0.25% · 3.875%
HK$148,518
−HK$3,935/mo
Today · 4.125%
HK$152,453
baseline
▲ 0.50% · 4.625%
HK$160,489
+HK$8,036/mo
Deposit HK$3.17M · loan HK$28.51M · min. income ≈ HK$304,906/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,346,236 · Scale 2, in force from 26 Feb 2026)