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$71,508
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,733
−HK$2,260/mo
Today · 4.125%
HK$75,993
baseline
▲ 0.50% · 4.625%
HK$80,617
+HK$4,624/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$151,986/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,552
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,686
−HK$2,164/mo
Today · 4.125%
HK$83,850
baseline
▲ 0.50% · 4.625%
HK$88,270
+HK$4,420/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$167,700/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,810
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$88,479
−HK$2,712/mo
Today · 4.125%
HK$91,191
baseline
▲ 0.50% · 4.625%
HK$96,740
+HK$5,549/mo
Deposit HK$12.54M · loan HK$18.82M · min. income ≈ HK$182,382/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,332,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,463
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$98,023
−HK$2,597/mo
Today · 4.125%
HK$100,620
baseline
▲ 0.50% · 4.625%
HK$105,924
+HK$5,304/mo
Deposit HK$12.54M · loan HK$18.82M · min. income ≈ HK$201,240/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,332,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,112
−HK$6,278/mo
▼ 0.25% · 3.875%
HK$103,226
−HK$3,164/mo
Today · 4.125%
HK$106,390
baseline
▲ 0.50% · 4.625%
HK$112,863
+HK$6,473/mo
Deposit HK$9.41M · loan HK$21.95M · min. income ≈ HK$212,780/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,373
−HK$6,017/mo
▼ 0.25% · 3.875%
HK$114,360
−HK$3,030/mo
Today · 4.125%
HK$117,390
baseline
▲ 0.50% · 4.625%
HK$123,578
+HK$6,188/mo
Deposit HK$9.41M · loan HK$21.95M · min. income ≈ HK$234,780/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,715
−HK$8,072/mo
▼ 0.25% · 3.875%
HK$132,719
−HK$4,068/mo
Today · 4.125%
HK$136,787
baseline
▲ 0.50% · 4.625%
HK$145,110
+HK$8,323/mo
Deposit HK$3.14M · loan HK$28.22M · min. income ≈ HK$273,574/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,194
−HK$7,737/mo
▼ 0.25% · 3.875%
HK$147,035
−HK$3,896/mo
Today · 4.125%
HK$150,931
baseline
▲ 0.50% · 4.625%
HK$158,886
+HK$7,955/mo
Deposit HK$3.14M · loan HK$28.22M · min. income ≈ HK$301,862/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,792 · Scale 2, in force from 26 Feb 2026)