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$71,536
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,761
−HK$2,261/mo
Today · 4.125%
HK$76,022
baseline
▲ 0.50% · 4.625%
HK$80,648
+HK$4,626/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,044/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,583
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,718
−HK$2,165/mo
Today · 4.125%
HK$83,883
baseline
▲ 0.50% · 4.625%
HK$88,304
+HK$4,421/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,766/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,843
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$88,514
−HK$2,713/mo
Today · 4.125%
HK$91,227
baseline
▲ 0.50% · 4.625%
HK$96,777
+HK$5,550/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$182,454/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,500
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,061
−HK$2,598/mo
Today · 4.125%
HK$100,659
baseline
▲ 0.50% · 4.625%
HK$105,965
+HK$5,306/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$201,318/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,151
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$103,266
−HK$3,165/mo
Today · 4.125%
HK$106,431
baseline
▲ 0.50% · 4.625%
HK$112,907
+HK$6,476/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$212,862/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,333,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,417
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$114,405
−HK$3,031/mo
Today · 4.125%
HK$117,436
baseline
▲ 0.50% · 4.625%
HK$123,626
+HK$6,190/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$234,872/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,333,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,765
−HK$8,075/mo
▼ 0.25% · 3.875%
HK$132,770
−HK$4,070/mo
Today · 4.125%
HK$136,840
baseline
▲ 0.50% · 4.625%
HK$145,166
+HK$8,326/mo
Deposit HK$3.14M · loan HK$28.23M · min. income ≈ HK$273,680/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,250
−HK$7,739/mo
▼ 0.25% · 3.875%
HK$147,092
−HK$3,897/mo
Today · 4.125%
HK$150,989
baseline
▲ 0.50% · 4.625%
HK$158,948
+HK$7,959/mo
Deposit HK$3.14M · loan HK$28.23M · min. income ≈ HK$301,978/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,310 · Scale 2, in force from 26 Feb 2026)