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$71,915
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,152
−HK$2,273/mo
Today · 4.125%
HK$76,425
baseline
▲ 0.50% · 4.625%
HK$81,075
+HK$4,650/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$152,850/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,005
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,151
−HK$2,176/mo
Today · 4.125%
HK$84,327
baseline
▲ 0.50% · 4.625%
HK$88,772
+HK$4,445/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$168,654/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,298
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,983
−HK$2,727/mo
Today · 4.125%
HK$91,710
baseline
▲ 0.50% · 4.625%
HK$97,290
+HK$5,580/mo
Deposit HK$12.62M · loan HK$18.92M · min. income ≈ HK$183,420/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,006
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$98,581
−HK$2,612/mo
Today · 4.125%
HK$101,193
baseline
▲ 0.50% · 4.625%
HK$106,527
+HK$5,334/mo
Deposit HK$12.62M · loan HK$18.92M · min. income ≈ HK$202,386/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,681
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$103,813
−HK$3,182/mo
Today · 4.125%
HK$106,995
baseline
▲ 0.50% · 4.625%
HK$113,505
+HK$6,510/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$213,990/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,007
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$115,011
−HK$3,047/mo
Today · 4.125%
HK$118,058
baseline
▲ 0.50% · 4.625%
HK$124,281
+HK$6,223/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$236,116/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,340,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,447
−HK$8,118/mo
▼ 0.25% · 3.875%
HK$133,474
−HK$4,091/mo
Today · 4.125%
HK$137,565
baseline
▲ 0.50% · 4.625%
HK$145,935
+HK$8,370/mo
Deposit HK$3.15M · loan HK$28.38M · min. income ≈ HK$275,130/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,009
−HK$7,780/mo
▼ 0.25% · 3.875%
HK$147,871
−HK$3,918/mo
Today · 4.125%
HK$151,789
baseline
▲ 0.50% · 4.625%
HK$159,790
+HK$8,001/mo
Deposit HK$3.15M · loan HK$28.38M · min. income ≈ HK$303,578/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,340,375 · Scale 2, in force from 26 Feb 2026)