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$71,938
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,176
−HK$2,274/mo
Today · 4.125%
HK$76,450
baseline
▲ 0.50% · 4.625%
HK$81,101
+HK$4,651/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$152,900/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,031
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,177
−HK$2,178/mo
Today · 4.125%
HK$84,355
baseline
▲ 0.50% · 4.625%
HK$88,801
+HK$4,446/mo
Deposit HK$15.77M · loan HK$15.77M · min. income ≈ HK$168,710/mo (50% DSR)
Upfront cash ≈ HK$17.11M (deposit + AVD stamp duty HK$1,340,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,326
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,011
−HK$2,729/mo
Today · 4.125%
HK$91,740
baseline
▲ 0.50% · 4.625%
HK$97,322
+HK$5,582/mo
Deposit HK$12.62M · loan HK$18.93M · min. income ≈ HK$183,480/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,037
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,613
−HK$2,612/mo
Today · 4.125%
HK$101,225
baseline
▲ 0.50% · 4.625%
HK$106,561
+HK$5,336/mo
Deposit HK$12.62M · loan HK$18.93M · min. income ≈ HK$202,450/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,340,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,714
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$103,847
−HK$3,182/mo
Today · 4.125%
HK$107,029
baseline
▲ 0.50% · 4.625%
HK$113,542
+HK$6,513/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$214,058/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,340,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,043
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$115,048
−HK$3,048/mo
Today · 4.125%
HK$118,096
baseline
▲ 0.50% · 4.625%
HK$124,321
+HK$6,225/mo
Deposit HK$9.46M · loan HK$22.08M · min. income ≈ HK$236,192/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,340,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,489
−HK$8,120/mo
▼ 0.25% · 3.875%
HK$133,517
−HK$4,092/mo
Today · 4.125%
HK$137,609
baseline
▲ 0.50% · 4.625%
HK$145,982
+HK$8,373/mo
Deposit HK$3.15M · loan HK$28.39M · min. income ≈ HK$275,218/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,340,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,055
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$147,919
−HK$3,919/mo
Today · 4.125%
HK$151,838
baseline
▲ 0.50% · 4.625%
HK$159,842
+HK$8,004/mo
Deposit HK$3.15M · loan HK$28.39M · min. income ≈ HK$303,676/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,340,807 · Scale 2, in force from 26 Feb 2026)