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$71,880
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,116
−HK$2,272/mo
Today · 4.125%
HK$76,388
baseline
▲ 0.50% · 4.625%
HK$81,036
+HK$4,648/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$152,776/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,966
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,110
−HK$2,176/mo
Today · 4.125%
HK$84,286
baseline
▲ 0.50% · 4.625%
HK$88,729
+HK$4,443/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$168,572/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,256
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,939
−HK$2,726/mo
Today · 4.125%
HK$91,665
baseline
▲ 0.50% · 4.625%
HK$97,243
+HK$5,578/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$183,330/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,959
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$98,533
−HK$2,610/mo
Today · 4.125%
HK$101,143
baseline
▲ 0.50% · 4.625%
HK$106,475
+HK$5,332/mo
Deposit HK$12.61M · loan HK$18.91M · min. income ≈ HK$202,286/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,632
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$103,762
−HK$3,181/mo
Today · 4.125%
HK$106,943
baseline
▲ 0.50% · 4.625%
HK$113,450
+HK$6,507/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$213,886/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,952
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$114,955
−HK$3,046/mo
Today · 4.125%
HK$118,001
baseline
▲ 0.50% · 4.625%
HK$124,221
+HK$6,220/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$236,002/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,384
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$133,409
−HK$4,089/mo
Today · 4.125%
HK$137,498
baseline
▲ 0.50% · 4.625%
HK$145,864
+HK$8,366/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$274,996/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,939
−HK$7,776/mo
▼ 0.25% · 3.875%
HK$147,799
−HK$3,916/mo
Today · 4.125%
HK$151,715
baseline
▲ 0.50% · 4.625%
HK$159,712
+HK$7,997/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$303,430/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,719 · Scale 2, in force from 26 Feb 2026)