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$71,181
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,395
−HK$2,250/mo
Today · 4.125%
HK$75,645
baseline
▲ 0.50% · 4.625%
HK$80,248
+HK$4,603/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$151,290/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,188
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,312
−HK$2,154/mo
Today · 4.125%
HK$83,466
baseline
▲ 0.50% · 4.625%
HK$87,866
+HK$4,400/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$166,932/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,417
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$88,074
−HK$2,700/mo
Today · 4.125%
HK$90,774
baseline
▲ 0.50% · 4.625%
HK$96,297
+HK$5,523/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$181,548/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,026
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,574
−HK$2,586/mo
Today · 4.125%
HK$100,160
baseline
▲ 0.50% · 4.625%
HK$105,439
+HK$5,279/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$200,320/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,653
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,753
−HK$3,150/mo
Today · 4.125%
HK$105,903
baseline
▲ 0.50% · 4.625%
HK$112,347
+HK$6,444/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$211,806/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,863
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$113,837
−HK$3,016/mo
Today · 4.125%
HK$116,853
baseline
▲ 0.50% · 4.625%
HK$123,013
+HK$6,160/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$233,706/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,126
−HK$8,034/mo
▼ 0.25% · 3.875%
HK$132,111
−HK$4,049/mo
Today · 4.125%
HK$136,160
baseline
▲ 0.50% · 4.625%
HK$144,446
+HK$8,286/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$272,320/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,539
−HK$7,701/mo
▼ 0.25% · 3.875%
HK$146,362
−HK$3,878/mo
Today · 4.125%
HK$150,240
baseline
▲ 0.50% · 4.625%
HK$158,159
+HK$7,919/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$300,480/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,691 · Scale 2, in force from 26 Feb 2026)