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$71,851
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,086
−HK$2,270/mo
Today · 4.125%
HK$76,356
baseline
▲ 0.50% · 4.625%
HK$81,002
+HK$4,646/mo
Deposit HK$15.75M · loan HK$15.75M · min. income ≈ HK$152,712/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,339,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,933
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,077
−HK$2,175/mo
Today · 4.125%
HK$84,252
baseline
▲ 0.50% · 4.625%
HK$88,693
+HK$4,441/mo
Deposit HK$15.75M · loan HK$15.75M · min. income ≈ HK$168,504/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,339,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,221
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$88,903
−HK$2,724/mo
Today · 4.125%
HK$91,627
baseline
▲ 0.50% · 4.625%
HK$97,203
+HK$5,576/mo
Deposit HK$12.60M · loan HK$18.91M · min. income ≈ HK$183,254/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,339,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,920
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$98,492
−HK$2,610/mo
Today · 4.125%
HK$101,102
baseline
▲ 0.50% · 4.625%
HK$106,431
+HK$5,329/mo
Deposit HK$12.60M · loan HK$18.91M · min. income ≈ HK$202,204/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,339,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,591
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$103,720
−HK$3,179/mo
Today · 4.125%
HK$106,899
baseline
▲ 0.50% · 4.625%
HK$113,403
+HK$6,504/mo
Deposit HK$9.45M · loan HK$22.06M · min. income ≈ HK$213,798/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,339,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,906
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$114,907
−HK$3,045/mo
Today · 4.125%
HK$117,952
baseline
▲ 0.50% · 4.625%
HK$124,170
+HK$6,218/mo
Deposit HK$9.45M · loan HK$22.06M · min. income ≈ HK$235,904/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,339,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,331
−HK$8,110/mo
▼ 0.25% · 3.875%
HK$133,354
−HK$4,087/mo
Today · 4.125%
HK$137,441
baseline
▲ 0.50% · 4.625%
HK$145,804
+HK$8,363/mo
Deposit HK$3.15M · loan HK$28.36M · min. income ≈ HK$274,882/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,879
−HK$7,774/mo
▼ 0.25% · 3.875%
HK$147,738
−HK$3,915/mo
Today · 4.125%
HK$151,653
baseline
▲ 0.50% · 4.625%
HK$159,647
+HK$7,994/mo
Deposit HK$3.15M · loan HK$28.36M · min. income ≈ HK$303,306/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,169 · Scale 2, in force from 26 Feb 2026)