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$71,377
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,597
−HK$2,256/mo
Today · 4.125%
HK$75,853
baseline
▲ 0.50% · 4.625%
HK$80,469
+HK$4,616/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$151,706/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,406
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,536
−HK$2,160/mo
Today · 4.125%
HK$83,696
baseline
▲ 0.50% · 4.625%
HK$88,108
+HK$4,412/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$167,392/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,653
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,317
−HK$2,707/mo
Today · 4.125%
HK$91,024
baseline
▲ 0.50% · 4.625%
HK$96,562
+HK$5,538/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$182,048/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,288
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,843
−HK$2,593/mo
Today · 4.125%
HK$100,436
baseline
▲ 0.50% · 4.625%
HK$105,730
+HK$5,294/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$200,872/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,928
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$103,036
−HK$3,158/mo
Today · 4.125%
HK$106,194
baseline
▲ 0.50% · 4.625%
HK$112,656
+HK$6,462/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$212,388/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,169
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$114,150
−HK$3,025/mo
Today · 4.125%
HK$117,175
baseline
▲ 0.50% · 4.625%
HK$123,351
+HK$6,176/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$234,350/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,479
−HK$8,057/mo
▼ 0.25% · 3.875%
HK$132,475
−HK$4,061/mo
Today · 4.125%
HK$136,536
baseline
▲ 0.50% · 4.625%
HK$144,843
+HK$8,307/mo
Deposit HK$3.13M · loan HK$28.17M · min. income ≈ HK$273,072/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,931
−HK$7,722/mo
▼ 0.25% · 3.875%
HK$146,765
−HK$3,888/mo
Today · 4.125%
HK$150,653
baseline
▲ 0.50% · 4.625%
HK$158,595
+HK$7,942/mo
Deposit HK$3.13M · loan HK$28.17M · min. income ≈ HK$301,306/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,345 · Scale 2, in force from 26 Feb 2026)