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$71,181
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,395
−HK$2,249/mo
Today · 4.125%
HK$75,644
baseline
▲ 0.50% · 4.625%
HK$80,247
+HK$4,603/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$151,288/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,188
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,312
−HK$2,154/mo
Today · 4.125%
HK$83,466
baseline
▲ 0.50% · 4.625%
HK$87,866
+HK$4,400/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$166,932/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,417
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$88,074
−HK$2,699/mo
Today · 4.125%
HK$90,773
baseline
▲ 0.50% · 4.625%
HK$96,297
+HK$5,524/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$181,546/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,025
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,574
−HK$2,585/mo
Today · 4.125%
HK$100,159
baseline
▲ 0.50% · 4.625%
HK$105,439
+HK$5,280/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$200,318/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,653
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$102,753
−HK$3,149/mo
Today · 4.125%
HK$105,902
baseline
▲ 0.50% · 4.625%
HK$112,346
+HK$6,444/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$211,804/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,863
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$113,836
−HK$3,017/mo
Today · 4.125%
HK$116,853
baseline
▲ 0.50% · 4.625%
HK$123,012
+HK$6,159/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$233,706/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,125
−HK$8,035/mo
▼ 0.25% · 3.875%
HK$132,111
−HK$4,049/mo
Today · 4.125%
HK$136,160
baseline
▲ 0.50% · 4.625%
HK$144,445
+HK$8,285/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$272,320/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,538
−HK$7,701/mo
▼ 0.25% · 3.875%
HK$146,361
−HK$3,878/mo
Today · 4.125%
HK$150,239
baseline
▲ 0.50% · 4.625%
HK$158,158
+HK$7,919/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$300,478/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,686 · Scale 2, in force from 26 Feb 2026)