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$71,335
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,553
−HK$2,255/mo
Today · 4.125%
HK$75,808
baseline
▲ 0.50% · 4.625%
HK$80,421
+HK$4,613/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,616/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,359
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,487
−HK$2,159/mo
Today · 4.125%
HK$83,646
baseline
▲ 0.50% · 4.625%
HK$88,056
+HK$4,410/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,292/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,601
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$88,264
−HK$2,705/mo
Today · 4.125%
HK$90,969
baseline
▲ 0.50% · 4.625%
HK$96,505
+HK$5,536/mo
Deposit HK$12.51M · loan HK$18.77M · min. income ≈ HK$181,938/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,231
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$97,785
−HK$2,591/mo
Today · 4.125%
HK$100,376
baseline
▲ 0.50% · 4.625%
HK$105,667
+HK$5,291/mo
Deposit HK$12.51M · loan HK$18.77M · min. income ≈ HK$200,752/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,868
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,975
−HK$3,156/mo
Today · 4.125%
HK$106,131
baseline
▲ 0.50% · 4.625%
HK$112,589
+HK$6,458/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$212,262/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,329,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,103
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,082
−HK$3,023/mo
Today · 4.125%
HK$117,105
baseline
▲ 0.50% · 4.625%
HK$123,278
+HK$6,173/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$234,210/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,329,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,402
−HK$8,052/mo
▼ 0.25% · 3.875%
HK$132,396
−HK$4,058/mo
Today · 4.125%
HK$136,454
baseline
▲ 0.50% · 4.625%
HK$144,757
+HK$8,303/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$272,908/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,846
−HK$7,718/mo
▼ 0.25% · 3.875%
HK$146,677
−HK$3,887/mo
Today · 4.125%
HK$150,564
baseline
▲ 0.50% · 4.625%
HK$158,500
+HK$7,936/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$301,128/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,552 · Scale 2, in force from 26 Feb 2026)