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$71,401
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,622
−HK$2,256/mo
Today · 4.125%
HK$75,878
baseline
▲ 0.50% · 4.625%
HK$80,495
+HK$4,617/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$151,756/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,330,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,433
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,563
−HK$2,161/mo
Today · 4.125%
HK$83,724
baseline
▲ 0.50% · 4.625%
HK$88,138
+HK$4,414/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$167,448/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,330,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,681
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$88,346
−HK$2,708/mo
Today · 4.125%
HK$91,054
baseline
▲ 0.50% · 4.625%
HK$96,594
+HK$5,540/mo
Deposit HK$12.53M · loan HK$18.79M · min. income ≈ HK$182,108/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,330,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,319
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$97,876
−HK$2,593/mo
Today · 4.125%
HK$100,469
baseline
▲ 0.50% · 4.625%
HK$105,765
+HK$5,296/mo
Deposit HK$12.53M · loan HK$18.79M · min. income ≈ HK$200,938/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,330,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,961
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$103,071
−HK$3,159/mo
Today · 4.125%
HK$106,230
baseline
▲ 0.50% · 4.625%
HK$112,694
+HK$6,464/mo
Deposit HK$9.39M · loan HK$21.92M · min. income ≈ HK$212,460/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,206
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$114,188
−HK$3,026/mo
Today · 4.125%
HK$117,214
baseline
▲ 0.50% · 4.625%
HK$123,393
+HK$6,179/mo
Deposit HK$9.39M · loan HK$21.92M · min. income ≈ HK$234,428/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,522
−HK$8,059/mo
▼ 0.25% · 3.875%
HK$132,519
−HK$4,062/mo
Today · 4.125%
HK$136,581
baseline
▲ 0.50% · 4.625%
HK$144,892
+HK$8,311/mo
Deposit HK$3.13M · loan HK$28.18M · min. income ≈ HK$273,162/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,979
−HK$7,725/mo
▼ 0.25% · 3.875%
HK$146,814
−HK$3,890/mo
Today · 4.125%
HK$150,704
baseline
▲ 0.50% · 4.625%
HK$158,648
+HK$7,944/mo
Deposit HK$3.13M · loan HK$28.18M · min. income ≈ HK$301,408/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,789 · Scale 2, in force from 26 Feb 2026)