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$71,141
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,354
−HK$2,248/mo
Today · 4.125%
HK$75,602
baseline
▲ 0.50% · 4.625%
HK$80,202
+HK$4,600/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,204/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,325,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,143
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,266
−HK$2,153/mo
Today · 4.125%
HK$83,419
baseline
▲ 0.50% · 4.625%
HK$87,816
+HK$4,397/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,838/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,325,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,369
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,024
−HK$2,698/mo
Today · 4.125%
HK$90,722
baseline
▲ 0.50% · 4.625%
HK$96,243
+HK$5,521/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$181,444/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,325,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,972
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,519
−HK$2,584/mo
Today · 4.125%
HK$100,103
baseline
▲ 0.50% · 4.625%
HK$105,380
+HK$5,277/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$200,206/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,325,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,597
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,695
−HK$3,148/mo
Today · 4.125%
HK$105,843
baseline
▲ 0.50% · 4.625%
HK$112,283
+HK$6,440/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$211,686/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,325,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,801
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,772
−HK$3,015/mo
Today · 4.125%
HK$116,787
baseline
▲ 0.50% · 4.625%
HK$122,943
+HK$6,156/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$233,574/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,325,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,053
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$132,037
−HK$4,046/mo
Today · 4.125%
HK$136,083
baseline
▲ 0.50% · 4.625%
HK$144,364
+HK$8,281/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$272,166/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,325,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,458
−HK$7,697/mo
▼ 0.25% · 3.875%
HK$146,279
−HK$3,876/mo
Today · 4.125%
HK$150,155
baseline
▲ 0.50% · 4.625%
HK$158,070
+HK$7,915/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$300,310/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,325,940 · Scale 2, in force from 26 Feb 2026)