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$72,064
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,306
−HK$2,277/mo
Today · 4.125%
HK$76,583
baseline
▲ 0.50% · 4.625%
HK$81,243
+HK$4,660/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$153,166/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,343,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,171
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,321
−HK$2,181/mo
Today · 4.125%
HK$84,502
baseline
▲ 0.50% · 4.625%
HK$88,956
+HK$4,454/mo
Deposit HK$15.80M · loan HK$15.80M · min. income ≈ HK$169,004/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,343,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,477
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$89,167
−HK$2,733/mo
Today · 4.125%
HK$91,900
baseline
▲ 0.50% · 4.625%
HK$97,492
+HK$5,592/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$183,800/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,343,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,205
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$98,785
−HK$2,618/mo
Today · 4.125%
HK$101,403
baseline
▲ 0.50% · 4.625%
HK$106,748
+HK$5,345/mo
Deposit HK$12.64M · loan HK$18.96M · min. income ≈ HK$202,806/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,343,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,890
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$104,028
−HK$3,189/mo
Today · 4.125%
HK$107,217
baseline
▲ 0.50% · 4.625%
HK$113,740
+HK$6,523/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$214,434/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,343,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,239
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$115,249
−HK$3,054/mo
Today · 4.125%
HK$118,303
baseline
▲ 0.50% · 4.625%
HK$124,539
+HK$6,236/mo
Deposit HK$9.48M · loan HK$22.12M · min. income ≈ HK$236,606/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,343,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,716
−HK$8,134/mo
▼ 0.25% · 3.875%
HK$133,750
−HK$4,100/mo
Today · 4.125%
HK$137,850
baseline
▲ 0.50% · 4.625%
HK$146,238
+HK$8,388/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$275,700/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,343,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,307
−HK$7,797/mo
▼ 0.25% · 3.875%
HK$148,178
−HK$3,926/mo
Today · 4.125%
HK$152,104
baseline
▲ 0.50% · 4.625%
HK$160,121
+HK$8,017/mo
Deposit HK$3.16M · loan HK$28.44M · min. income ≈ HK$304,208/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,343,152 · Scale 2, in force from 26 Feb 2026)