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$71,302
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,520
−HK$2,253/mo
Today · 4.125%
HK$75,773
baseline
▲ 0.50% · 4.625%
HK$80,384
+HK$4,611/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$151,546/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,322
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,450
−HK$2,158/mo
Today · 4.125%
HK$83,608
baseline
▲ 0.50% · 4.625%
HK$88,015
+HK$4,407/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$167,216/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,562
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,224
−HK$2,704/mo
Today · 4.125%
HK$90,928
baseline
▲ 0.50% · 4.625%
HK$96,460
+HK$5,532/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$181,856/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,328,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,187
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,740
−HK$2,590/mo
Today · 4.125%
HK$100,330
baseline
▲ 0.50% · 4.625%
HK$105,618
+HK$5,288/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$200,660/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,328,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,822
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$102,928
−HK$3,154/mo
Today · 4.125%
HK$106,082
baseline
▲ 0.50% · 4.625%
HK$112,537
+HK$6,455/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$212,164/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,051
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,030
−HK$3,021/mo
Today · 4.125%
HK$117,051
baseline
▲ 0.50% · 4.625%
HK$123,221
+HK$6,170/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$234,102/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,343
−HK$8,048/mo
▼ 0.25% · 3.875%
HK$132,335
−HK$4,056/mo
Today · 4.125%
HK$136,391
baseline
▲ 0.50% · 4.625%
HK$144,691
+HK$8,300/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$272,782/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,328,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,780
−HK$7,714/mo
▼ 0.25% · 3.875%
HK$146,610
−HK$3,884/mo
Today · 4.125%
HK$150,494
baseline
▲ 0.50% · 4.625%
HK$158,427
+HK$7,933/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$300,988/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,328,941 · Scale 2, in force from 26 Feb 2026)