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$72,034
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,275
−HK$2,277/mo
Today · 4.125%
HK$76,552
baseline
▲ 0.50% · 4.625%
HK$81,210
+HK$4,658/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$153,104/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,138
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,287
−HK$2,180/mo
Today · 4.125%
HK$84,467
baseline
▲ 0.50% · 4.625%
HK$88,920
+HK$4,453/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$168,934/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,342,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,441
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,130
−HK$2,732/mo
Today · 4.125%
HK$91,862
baseline
▲ 0.50% · 4.625%
HK$97,452
+HK$5,590/mo
Deposit HK$12.64M · loan HK$18.95M · min. income ≈ HK$183,724/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,165
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,744
−HK$2,617/mo
Today · 4.125%
HK$101,361
baseline
▲ 0.50% · 4.625%
HK$106,703
+HK$5,342/mo
Deposit HK$12.64M · loan HK$18.95M · min. income ≈ HK$202,722/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,342,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,848
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,985
−HK$3,187/mo
Today · 4.125%
HK$107,172
baseline
▲ 0.50% · 4.625%
HK$113,693
+HK$6,521/mo
Deposit HK$9.48M · loan HK$22.11M · min. income ≈ HK$214,344/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,193
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$115,202
−HK$3,052/mo
Today · 4.125%
HK$118,254
baseline
▲ 0.50% · 4.625%
HK$124,487
+HK$6,233/mo
Deposit HK$9.48M · loan HK$22.11M · min. income ≈ HK$236,508/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,662
−HK$8,131/mo
▼ 0.25% · 3.875%
HK$133,695
−HK$4,098/mo
Today · 4.125%
HK$137,793
baseline
▲ 0.50% · 4.625%
HK$146,177
+HK$8,384/mo
Deposit HK$3.16M · loan HK$28.43M · min. income ≈ HK$275,586/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,248
−HK$7,793/mo
▼ 0.25% · 3.875%
HK$148,116
−HK$3,925/mo
Today · 4.125%
HK$152,041
baseline
▲ 0.50% · 4.625%
HK$160,055
+HK$8,014/mo
Deposit HK$3.16M · loan HK$28.43M · min. income ≈ HK$304,082/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,596 · Scale 2, in force from 26 Feb 2026)