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$71,625
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,853
−HK$2,263/mo
Today · 4.125%
HK$76,116
baseline
▲ 0.50% · 4.625%
HK$80,748
+HK$4,632/mo
Deposit HK$15.71M · loan HK$15.71M · min. income ≈ HK$152,232/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,682
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,819
−HK$2,168/mo
Today · 4.125%
HK$83,987
baseline
▲ 0.50% · 4.625%
HK$88,414
+HK$4,427/mo
Deposit HK$15.71M · loan HK$15.71M · min. income ≈ HK$167,974/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,950
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,623
−HK$2,716/mo
Today · 4.125%
HK$91,339
baseline
▲ 0.50% · 4.625%
HK$96,897
+HK$5,558/mo
Deposit HK$12.56M · loan HK$18.85M · min. income ≈ HK$182,678/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,618
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,182
−HK$2,602/mo
Today · 4.125%
HK$100,784
baseline
▲ 0.50% · 4.625%
HK$106,096
+HK$5,312/mo
Deposit HK$12.56M · loan HK$18.85M · min. income ≈ HK$201,568/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,274
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$103,394
−HK$3,169/mo
Today · 4.125%
HK$106,563
baseline
▲ 0.50% · 4.625%
HK$113,047
+HK$6,484/mo
Deposit HK$9.42M · loan HK$21.99M · min. income ≈ HK$213,126/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,554
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$114,546
−HK$3,035/mo
Today · 4.125%
HK$117,581
baseline
▲ 0.50% · 4.625%
HK$123,779
+HK$6,198/mo
Deposit HK$9.42M · loan HK$21.99M · min. income ≈ HK$235,162/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,924
−HK$8,085/mo
▼ 0.25% · 3.875%
HK$132,935
−HK$4,074/mo
Today · 4.125%
HK$137,009
baseline
▲ 0.50% · 4.625%
HK$145,346
+HK$8,337/mo
Deposit HK$3.14M · loan HK$28.27M · min. income ≈ HK$274,018/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,334,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,427
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$147,274
−HK$3,902/mo
Today · 4.125%
HK$151,176
baseline
▲ 0.50% · 4.625%
HK$159,145
+HK$7,969/mo
Deposit HK$3.14M · loan HK$28.27M · min. income ≈ HK$302,352/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,334,959 · Scale 2, in force from 26 Feb 2026)