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$71,226
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,441
−HK$2,251/mo
Today · 4.125%
HK$75,692
baseline
▲ 0.50% · 4.625%
HK$80,298
+HK$4,606/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$151,384/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,327,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,238
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,363
−HK$2,156/mo
Today · 4.125%
HK$83,519
baseline
▲ 0.50% · 4.625%
HK$87,921
+HK$4,402/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$167,038/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,327,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,471
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$88,129
−HK$2,701/mo
Today · 4.125%
HK$90,830
baseline
▲ 0.50% · 4.625%
HK$96,357
+HK$5,527/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$181,660/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,085
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,635
−HK$2,587/mo
Today · 4.125%
HK$100,222
baseline
▲ 0.50% · 4.625%
HK$105,505
+HK$5,283/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$200,444/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,716
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,817
−HK$3,152/mo
Today · 4.125%
HK$105,969
baseline
▲ 0.50% · 4.625%
HK$112,417
+HK$6,448/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$211,938/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,933
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$113,908
−HK$3,018/mo
Today · 4.125%
HK$116,926
baseline
▲ 0.50% · 4.625%
HK$123,089
+HK$6,163/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$233,852/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,206
−HK$8,040/mo
▼ 0.25% · 3.875%
HK$132,194
−HK$4,052/mo
Today · 4.125%
HK$136,246
baseline
▲ 0.50% · 4.625%
HK$144,536
+HK$8,290/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$272,492/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,628
−HK$7,706/mo
▼ 0.25% · 3.875%
HK$146,453
−HK$3,881/mo
Today · 4.125%
HK$150,334
baseline
▲ 0.50% · 4.625%
HK$158,258
+HK$7,924/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$300,668/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,520 · Scale 2, in force from 26 Feb 2026)