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$71,463
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,686
−HK$2,259/mo
Today · 4.125%
HK$75,945
baseline
▲ 0.50% · 4.625%
HK$80,566
+HK$4,621/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$151,890/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,502
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,634
−HK$2,163/mo
Today · 4.125%
HK$83,797
baseline
▲ 0.50% · 4.625%
HK$88,214
+HK$4,417/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$167,594/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,756
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$88,423
−HK$2,710/mo
Today · 4.125%
HK$91,133
baseline
▲ 0.50% · 4.625%
HK$96,679
+HK$5,546/mo
Deposit HK$12.54M · loan HK$18.80M · min. income ≈ HK$182,266/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,331,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,402
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,961
−HK$2,596/mo
Today · 4.125%
HK$100,557
baseline
▲ 0.50% · 4.625%
HK$105,857
+HK$5,300/mo
Deposit HK$12.54M · loan HK$18.80M · min. income ≈ HK$201,114/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,331,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,048
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$103,161
−HK$3,161/mo
Today · 4.125%
HK$106,322
baseline
▲ 0.50% · 4.625%
HK$112,792
+HK$6,470/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$212,644/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,303
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$114,288
−HK$3,028/mo
Today · 4.125%
HK$117,316
baseline
▲ 0.50% · 4.625%
HK$123,500
+HK$6,184/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$234,632/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,634
−HK$8,066/mo
▼ 0.25% · 3.875%
HK$132,635
−HK$4,065/mo
Today · 4.125%
HK$136,700
baseline
▲ 0.50% · 4.625%
HK$145,018
+HK$8,318/mo
Deposit HK$3.13M · loan HK$28.21M · min. income ≈ HK$273,400/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,331,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,104
−HK$7,731/mo
▼ 0.25% · 3.875%
HK$146,942
−HK$3,893/mo
Today · 4.125%
HK$150,835
baseline
▲ 0.50% · 4.625%
HK$158,786
+HK$7,951/mo
Deposit HK$3.13M · loan HK$28.21M · min. income ≈ HK$301,670/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,331,949 · Scale 2, in force from 26 Feb 2026)