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$71,889
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,125
−HK$2,272/mo
Today · 4.125%
HK$76,397
baseline
▲ 0.50% · 4.625%
HK$81,046
+HK$4,649/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$152,794/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,976
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,121
−HK$2,176/mo
Today · 4.125%
HK$84,297
baseline
▲ 0.50% · 4.625%
HK$88,740
+HK$4,443/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$168,594/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,267
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,950
−HK$2,726/mo
Today · 4.125%
HK$91,676
baseline
▲ 0.50% · 4.625%
HK$97,255
+HK$5,579/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$183,352/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,971
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,545
−HK$2,611/mo
Today · 4.125%
HK$101,156
baseline
▲ 0.50% · 4.625%
HK$106,488
+HK$5,332/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$202,312/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,645
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$103,775
−HK$3,181/mo
Today · 4.125%
HK$106,956
baseline
▲ 0.50% · 4.625%
HK$113,464
+HK$6,508/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$213,912/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,966
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$114,969
−HK$3,046/mo
Today · 4.125%
HK$118,015
baseline
▲ 0.50% · 4.625%
HK$124,236
+HK$6,221/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$236,030/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,400
−HK$8,115/mo
▼ 0.25% · 3.875%
HK$133,425
−HK$4,090/mo
Today · 4.125%
HK$137,515
baseline
▲ 0.50% · 4.625%
HK$145,882
+HK$8,367/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$275,030/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,956
−HK$7,778/mo
▼ 0.25% · 3.875%
HK$147,817
−HK$3,917/mo
Today · 4.125%
HK$151,734
baseline
▲ 0.50% · 4.625%
HK$159,732
+HK$7,998/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$303,468/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,886 · Scale 2, in force from 26 Feb 2026)