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$71,219
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,434
−HK$2,251/mo
Today · 4.125%
HK$75,685
baseline
▲ 0.50% · 4.625%
HK$80,290
+HK$4,605/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$151,370/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,230
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,355
−HK$2,156/mo
Today · 4.125%
HK$83,511
baseline
▲ 0.50% · 4.625%
HK$87,913
+HK$4,402/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$167,022/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,462
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$88,121
−HK$2,701/mo
Today · 4.125%
HK$90,822
baseline
▲ 0.50% · 4.625%
HK$96,348
+HK$5,526/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$181,644/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,076
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,626
−HK$2,587/mo
Today · 4.125%
HK$100,213
baseline
▲ 0.50% · 4.625%
HK$105,495
+HK$5,282/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$200,426/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,706
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,808
−HK$3,151/mo
Today · 4.125%
HK$105,959
baseline
▲ 0.50% · 4.625%
HK$112,406
+HK$6,447/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$211,918/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,922
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$113,897
−HK$3,018/mo
Today · 4.125%
HK$116,915
baseline
▲ 0.50% · 4.625%
HK$123,078
+HK$6,163/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$233,830/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,194
−HK$8,038/mo
▼ 0.25% · 3.875%
HK$132,181
−HK$4,051/mo
Today · 4.125%
HK$136,232
baseline
▲ 0.50% · 4.625%
HK$144,522
+HK$8,290/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$272,464/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,614
−HK$7,705/mo
▼ 0.25% · 3.875%
HK$146,439
−HK$3,880/mo
Today · 4.125%
HK$150,319
baseline
▲ 0.50% · 4.625%
HK$158,243
+HK$7,924/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$300,638/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,391 · Scale 2, in force from 26 Feb 2026)