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$71,435
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,657
−HK$2,258/mo
Today · 4.125%
HK$75,915
baseline
▲ 0.50% · 4.625%
HK$80,534
+HK$4,619/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$151,830/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,471
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,602
−HK$2,163/mo
Today · 4.125%
HK$83,765
baseline
▲ 0.50% · 4.625%
HK$88,180
+HK$4,415/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$167,530/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,722
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$88,389
−HK$2,709/mo
Today · 4.125%
HK$91,098
baseline
▲ 0.50% · 4.625%
HK$96,641
+HK$5,543/mo
Deposit HK$12.53M · loan HK$18.80M · min. income ≈ HK$182,196/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,365
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,923
−HK$2,594/mo
Today · 4.125%
HK$100,517
baseline
▲ 0.50% · 4.625%
HK$105,816
+HK$5,299/mo
Deposit HK$12.53M · loan HK$18.80M · min. income ≈ HK$201,034/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,009
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$103,120
−HK$3,161/mo
Today · 4.125%
HK$106,281
baseline
▲ 0.50% · 4.625%
HK$112,748
+HK$6,467/mo
Deposit HK$9.40M · loan HK$21.93M · min. income ≈ HK$212,562/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,259
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$114,243
−HK$3,027/mo
Today · 4.125%
HK$117,270
baseline
▲ 0.50% · 4.625%
HK$123,452
+HK$6,182/mo
Deposit HK$9.40M · loan HK$21.93M · min. income ≈ HK$234,540/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,583
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$132,583
−HK$4,064/mo
Today · 4.125%
HK$136,647
baseline
▲ 0.50% · 4.625%
HK$144,961
+HK$8,314/mo
Deposit HK$3.13M · loan HK$28.19M · min. income ≈ HK$273,294/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,048
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$146,884
−HK$3,892/mo
Today · 4.125%
HK$150,776
baseline
▲ 0.50% · 4.625%
HK$158,724
+HK$7,948/mo
Deposit HK$3.13M · loan HK$28.19M · min. income ≈ HK$301,552/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,428 · Scale 2, in force from 26 Feb 2026)