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$72,187
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,433
−HK$2,281/mo
Today · 4.125%
HK$76,714
baseline
▲ 0.50% · 4.625%
HK$81,382
+HK$4,668/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$153,428/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,345,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,308
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,461
−HK$2,185/mo
Today · 4.125%
HK$84,646
baseline
▲ 0.50% · 4.625%
HK$89,108
+HK$4,462/mo
Deposit HK$15.83M · loan HK$15.83M · min. income ≈ HK$169,292/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,345,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,625
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,319
−HK$2,738/mo
Today · 4.125%
HK$92,057
baseline
▲ 0.50% · 4.625%
HK$97,658
+HK$5,601/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$184,114/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,369
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$98,954
−HK$2,622/mo
Today · 4.125%
HK$101,576
baseline
▲ 0.50% · 4.625%
HK$106,930
+HK$5,354/mo
Deposit HK$12.66M · loan HK$18.99M · min. income ≈ HK$203,152/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,345,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,062
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$104,206
−HK$3,194/mo
Today · 4.125%
HK$107,400
baseline
▲ 0.50% · 4.625%
HK$113,935
+HK$6,535/mo
Deposit HK$9.50M · loan HK$22.16M · min. income ≈ HK$214,800/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,345,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,431
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$115,446
−HK$3,059/mo
Today · 4.125%
HK$118,505
baseline
▲ 0.50% · 4.625%
HK$124,752
+HK$6,247/mo
Deposit HK$9.50M · loan HK$22.16M · min. income ≈ HK$237,010/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,345,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,937
−HK$8,148/mo
▼ 0.25% · 3.875%
HK$133,979
−HK$4,106/mo
Today · 4.125%
HK$138,085
baseline
▲ 0.50% · 4.625%
HK$146,488
+HK$8,403/mo
Deposit HK$3.17M · loan HK$28.49M · min. income ≈ HK$276,170/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,554
−HK$7,810/mo
▼ 0.25% · 3.875%
HK$148,431
−HK$3,933/mo
Today · 4.125%
HK$152,364
baseline
▲ 0.50% · 4.625%
HK$160,395
+HK$8,031/mo
Deposit HK$3.17M · loan HK$28.49M · min. income ≈ HK$304,728/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,345,446 · Scale 2, in force from 26 Feb 2026)