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$71,392
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,613
−HK$2,256/mo
Today · 4.125%
HK$75,869
baseline
▲ 0.50% · 4.625%
HK$80,485
+HK$4,616/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$151,738/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,330,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,423
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,553
−HK$2,161/mo
Today · 4.125%
HK$83,714
baseline
▲ 0.50% · 4.625%
HK$88,127
+HK$4,413/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$167,428/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,330,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,671
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$88,335
−HK$2,708/mo
Today · 4.125%
HK$91,043
baseline
▲ 0.50% · 4.625%
HK$96,583
+HK$5,540/mo
Deposit HK$12.52M · loan HK$18.79M · min. income ≈ HK$182,086/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,308
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,864
−HK$2,593/mo
Today · 4.125%
HK$100,457
baseline
▲ 0.50% · 4.625%
HK$105,752
+HK$5,295/mo
Deposit HK$12.52M · loan HK$18.79M · min. income ≈ HK$200,914/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,949
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$103,058
−HK$3,159/mo
Today · 4.125%
HK$106,217
baseline
▲ 0.50% · 4.625%
HK$112,680
+HK$6,463/mo
Deposit HK$9.39M · loan HK$21.92M · min. income ≈ HK$212,434/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,192
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$114,174
−HK$3,026/mo
Today · 4.125%
HK$117,200
baseline
▲ 0.50% · 4.625%
HK$123,377
+HK$6,177/mo
Deposit HK$9.39M · loan HK$21.92M · min. income ≈ HK$234,400/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,506
−HK$8,058/mo
▼ 0.25% · 3.875%
HK$132,503
−HK$4,061/mo
Today · 4.125%
HK$136,564
baseline
▲ 0.50% · 4.625%
HK$144,874
+HK$8,310/mo
Deposit HK$3.13M · loan HK$28.18M · min. income ≈ HK$273,128/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,961
−HK$7,724/mo
▼ 0.25% · 3.875%
HK$146,796
−HK$3,889/mo
Today · 4.125%
HK$150,685
baseline
▲ 0.50% · 4.625%
HK$158,628
+HK$7,943/mo
Deposit HK$3.13M · loan HK$28.18M · min. income ≈ HK$301,370/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,624 · Scale 2, in force from 26 Feb 2026)