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$72,011
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,251
−HK$2,275/mo
Today · 4.125%
HK$76,526
baseline
▲ 0.50% · 4.625%
HK$81,183
+HK$4,657/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$153,052/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,342,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,111
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,260
−HK$2,179/mo
Today · 4.125%
HK$84,439
baseline
▲ 0.50% · 4.625%
HK$88,890
+HK$4,451/mo
Deposit HK$15.79M · loan HK$15.79M · min. income ≈ HK$168,878/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,342,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,413
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,101
−HK$2,731/mo
Today · 4.125%
HK$91,832
baseline
▲ 0.50% · 4.625%
HK$97,419
+HK$5,587/mo
Deposit HK$12.63M · loan HK$18.95M · min. income ≈ HK$183,664/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,342,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,133
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$98,712
−HK$2,615/mo
Today · 4.125%
HK$101,327
baseline
▲ 0.50% · 4.625%
HK$106,668
+HK$5,341/mo
Deposit HK$12.63M · loan HK$18.95M · min. income ≈ HK$202,654/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,342,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,815
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$103,951
−HK$3,186/mo
Today · 4.125%
HK$107,137
baseline
▲ 0.50% · 4.625%
HK$113,656
+HK$6,519/mo
Deposit HK$9.47M · loan HK$22.11M · min. income ≈ HK$214,274/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,156
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,164
−HK$3,051/mo
Today · 4.125%
HK$118,215
baseline
▲ 0.50% · 4.625%
HK$124,446
+HK$6,231/mo
Deposit HK$9.47M · loan HK$22.11M · min. income ≈ HK$236,430/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$1,342,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,619
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$133,651
−HK$4,097/mo
Today · 4.125%
HK$137,748
baseline
▲ 0.50% · 4.625%
HK$146,129
+HK$8,381/mo
Deposit HK$3.16M · loan HK$28.42M · min. income ≈ HK$275,496/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,200
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$148,068
−HK$3,923/mo
Today · 4.125%
HK$151,991
baseline
▲ 0.50% · 4.625%
HK$160,003
+HK$8,012/mo
Deposit HK$3.16M · loan HK$28.42M · min. income ≈ HK$303,982/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$1,342,155 · Scale 2, in force from 26 Feb 2026)