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$71,154
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,367
−HK$2,249/mo
Today · 4.125%
HK$75,616
baseline
▲ 0.50% · 4.625%
HK$80,217
+HK$4,601/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,232/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,158
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,281
−HK$2,153/mo
Today · 4.125%
HK$83,434
baseline
▲ 0.50% · 4.625%
HK$87,832
+HK$4,398/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,868/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,384
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,040
−HK$2,699/mo
Today · 4.125%
HK$90,739
baseline
▲ 0.50% · 4.625%
HK$96,260
+HK$5,521/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$181,478/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,989
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,537
−HK$2,584/mo
Today · 4.125%
HK$100,121
baseline
▲ 0.50% · 4.625%
HK$105,399
+HK$5,278/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$200,242/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,615
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$102,714
−HK$3,148/mo
Today · 4.125%
HK$105,862
baseline
▲ 0.50% · 4.625%
HK$112,303
+HK$6,441/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$211,724/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,821
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,793
−HK$3,015/mo
Today · 4.125%
HK$116,808
baseline
▲ 0.50% · 4.625%
HK$122,965
+HK$6,157/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$233,616/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,077
−HK$8,031/mo
▼ 0.25% · 3.875%
HK$132,061
−HK$4,047/mo
Today · 4.125%
HK$136,108
baseline
▲ 0.50% · 4.625%
HK$144,390
+HK$8,282/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$272,216/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,484
−HK$7,698/mo
▼ 0.25% · 3.875%
HK$146,305
−HK$3,877/mo
Today · 4.125%
HK$150,182
baseline
▲ 0.50% · 4.625%
HK$158,098
+HK$7,916/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$300,364/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,182 · Scale 2, in force from 26 Feb 2026)