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$71,683
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,913
−HK$2,265/mo
Today · 4.125%
HK$76,178
baseline
▲ 0.50% · 4.625%
HK$80,813
+HK$4,635/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$152,356/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,336,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,747
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,885
−HK$2,170/mo
Today · 4.125%
HK$84,055
baseline
▲ 0.50% · 4.625%
HK$88,486
+HK$4,431/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$168,110/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,336,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,020
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,695
−HK$2,719/mo
Today · 4.125%
HK$91,414
baseline
▲ 0.50% · 4.625%
HK$96,976
+HK$5,562/mo
Deposit HK$12.57M · loan HK$18.86M · min. income ≈ HK$182,828/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,336,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,696
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,262
−HK$2,604/mo
Today · 4.125%
HK$100,866
baseline
▲ 0.50% · 4.625%
HK$106,183
+HK$5,317/mo
Deposit HK$12.57M · loan HK$18.86M · min. income ≈ HK$201,732/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,336,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,356
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$103,478
−HK$3,171/mo
Today · 4.125%
HK$106,649
baseline
▲ 0.50% · 4.625%
HK$113,139
+HK$6,490/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$213,298/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,645
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$114,639
−HK$3,038/mo
Today · 4.125%
HK$117,677
baseline
▲ 0.50% · 4.625%
HK$123,880
+HK$6,203/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$235,354/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,029
−HK$8,092/mo
▼ 0.25% · 3.875%
HK$133,043
−HK$4,078/mo
Today · 4.125%
HK$137,121
baseline
▲ 0.50% · 4.625%
HK$145,464
+HK$8,343/mo
Deposit HK$3.14M · loan HK$28.29M · min. income ≈ HK$274,242/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,544
−HK$7,755/mo
▼ 0.25% · 3.875%
HK$147,394
−HK$3,905/mo
Today · 4.125%
HK$151,299
baseline
▲ 0.50% · 4.625%
HK$159,274
+HK$7,975/mo
Deposit HK$3.14M · loan HK$28.29M · min. income ≈ HK$302,598/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,045 · Scale 2, in force from 26 Feb 2026)