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$71,205
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,420
−HK$2,251/mo
Today · 4.125%
HK$75,671
baseline
▲ 0.50% · 4.625%
HK$80,275
+HK$4,604/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$151,342/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,215
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,340
−HK$2,155/mo
Today · 4.125%
HK$83,495
baseline
▲ 0.50% · 4.625%
HK$87,896
+HK$4,401/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$166,990/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,446
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$88,104
−HK$2,701/mo
Today · 4.125%
HK$90,805
baseline
▲ 0.50% · 4.625%
HK$96,330
+HK$5,525/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$181,610/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,058
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$97,608
−HK$2,586/mo
Today · 4.125%
HK$100,194
baseline
▲ 0.50% · 4.625%
HK$105,475
+HK$5,281/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$200,388/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,687
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$102,788
−HK$3,151/mo
Today · 4.125%
HK$105,939
baseline
▲ 0.50% · 4.625%
HK$112,385
+HK$6,446/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$211,878/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,901
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$113,876
−HK$3,017/mo
Today · 4.125%
HK$116,893
baseline
▲ 0.50% · 4.625%
HK$123,055
+HK$6,162/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$233,786/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,170
−HK$8,037/mo
▼ 0.25% · 3.875%
HK$132,156
−HK$4,051/mo
Today · 4.125%
HK$136,207
baseline
▲ 0.50% · 4.625%
HK$144,495
+HK$8,288/mo
Deposit HK$3.12M · loan HK$28.10M · min. income ≈ HK$272,414/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,587
−HK$7,704/mo
▼ 0.25% · 3.875%
HK$146,411
−HK$3,880/mo
Today · 4.125%
HK$150,291
baseline
▲ 0.50% · 4.625%
HK$158,213
+HK$7,922/mo
Deposit HK$3.12M · loan HK$28.10M · min. income ≈ HK$300,582/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,143 · Scale 2, in force from 26 Feb 2026)