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$71,132
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,344
−HK$2,248/mo
Today · 4.125%
HK$75,592
baseline
▲ 0.50% · 4.625%
HK$80,192
+HK$4,600/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,184/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,133
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,256
−HK$2,153/mo
Today · 4.125%
HK$83,409
baseline
▲ 0.50% · 4.625%
HK$87,805
+HK$4,396/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,818/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,358
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,013
−HK$2,698/mo
Today · 4.125%
HK$90,711
baseline
▲ 0.50% · 4.625%
HK$96,230
+HK$5,519/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$181,422/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,960
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,507
−HK$2,583/mo
Today · 4.125%
HK$100,090
baseline
▲ 0.50% · 4.625%
HK$105,366
+HK$5,276/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$200,180/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,584
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$102,682
−HK$3,147/mo
Today · 4.125%
HK$105,829
baseline
▲ 0.50% · 4.625%
HK$112,269
+HK$6,440/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$211,658/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,787
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$113,758
−HK$3,014/mo
Today · 4.125%
HK$116,772
baseline
▲ 0.50% · 4.625%
HK$122,927
+HK$6,155/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$233,544/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,037
−HK$8,029/mo
▼ 0.25% · 3.875%
HK$132,020
−HK$4,046/mo
Today · 4.125%
HK$136,066
baseline
▲ 0.50% · 4.625%
HK$144,345
+HK$8,279/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$272,132/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,325,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,440
−HK$7,696/mo
▼ 0.25% · 3.875%
HK$146,260
−HK$3,876/mo
Today · 4.125%
HK$150,136
baseline
▲ 0.50% · 4.625%
HK$158,049
+HK$7,913/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$300,272/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,325,771 · Scale 2, in force from 26 Feb 2026)