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$71,285
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,503
−HK$2,253/mo
Today · 4.125%
HK$75,756
baseline
▲ 0.50% · 4.625%
HK$80,365
+HK$4,609/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$151,512/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,304
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,431
−HK$2,158/mo
Today · 4.125%
HK$83,589
baseline
▲ 0.50% · 4.625%
HK$87,995
+HK$4,406/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$167,178/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,542
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$88,203
−HK$2,704/mo
Today · 4.125%
HK$90,907
baseline
▲ 0.50% · 4.625%
HK$96,438
+HK$5,531/mo
Deposit HK$12.50M · loan HK$18.76M · min. income ≈ HK$181,814/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,165
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,717
−HK$2,590/mo
Today · 4.125%
HK$100,307
baseline
▲ 0.50% · 4.625%
HK$105,594
+HK$5,287/mo
Deposit HK$12.50M · loan HK$18.76M · min. income ≈ HK$200,614/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,800
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$102,904
−HK$3,154/mo
Today · 4.125%
HK$106,058
baseline
▲ 0.50% · 4.625%
HK$112,511
+HK$6,453/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$212,116/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,026
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$114,004
−HK$3,020/mo
Today · 4.125%
HK$117,024
baseline
▲ 0.50% · 4.625%
HK$123,193
+HK$6,169/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$234,048/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,314
−HK$8,046/mo
▼ 0.25% · 3.875%
HK$132,305
−HK$4,055/mo
Today · 4.125%
HK$136,360
baseline
▲ 0.50% · 4.625%
HK$144,657
+HK$8,297/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$272,720/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,748
−HK$7,712/mo
▼ 0.25% · 3.875%
HK$146,576
−HK$3,884/mo
Today · 4.125%
HK$150,460
baseline
▲ 0.50% · 4.625%
HK$158,391
+HK$7,931/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$300,920/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,635 · Scale 2, in force from 26 Feb 2026)