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$71,316
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,535
−HK$2,254/mo
Today · 4.125%
HK$75,789
baseline
▲ 0.50% · 4.625%
HK$80,400
+HK$4,611/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,578/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,339
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,467
−HK$2,158/mo
Today · 4.125%
HK$83,625
baseline
▲ 0.50% · 4.625%
HK$88,033
+HK$4,408/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,250/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,580
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,242
−HK$2,704/mo
Today · 4.125%
HK$90,946
baseline
▲ 0.50% · 4.625%
HK$96,480
+HK$5,534/mo
Deposit HK$12.51M · loan HK$18.77M · min. income ≈ HK$181,892/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,207
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,760
−HK$2,590/mo
Today · 4.125%
HK$100,350
baseline
▲ 0.50% · 4.625%
HK$105,640
+HK$5,290/mo
Deposit HK$12.51M · loan HK$18.77M · min. income ≈ HK$200,700/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,843
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$102,949
−HK$3,155/mo
Today · 4.125%
HK$106,104
baseline
▲ 0.50% · 4.625%
HK$112,560
+HK$6,456/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$212,208/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,329,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,074
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$114,053
−HK$3,022/mo
Today · 4.125%
HK$117,075
baseline
▲ 0.50% · 4.625%
HK$123,247
+HK$6,172/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$234,150/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,329,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,370
−HK$8,049/mo
▼ 0.25% · 3.875%
HK$132,363
−HK$4,056/mo
Today · 4.125%
HK$136,419
baseline
▲ 0.50% · 4.625%
HK$144,720
+HK$8,301/mo
Deposit HK$3.13M · loan HK$28.15M · min. income ≈ HK$272,838/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,810
−HK$7,715/mo
▼ 0.25% · 3.875%
HK$146,640
−HK$3,885/mo
Today · 4.125%
HK$150,525
baseline
▲ 0.50% · 4.625%
HK$158,460
+HK$7,935/mo
Deposit HK$3.13M · loan HK$28.15M · min. income ≈ HK$301,050/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,214 · Scale 2, in force from 26 Feb 2026)