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$71,397
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,618
−HK$2,256/mo
Today · 4.125%
HK$75,874
baseline
▲ 0.50% · 4.625%
HK$80,491
+HK$4,617/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$151,748/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,330,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,428
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,558
−HK$2,161/mo
Today · 4.125%
HK$83,719
baseline
▲ 0.50% · 4.625%
HK$88,132
+HK$4,413/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$167,438/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,330,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,676
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$88,341
−HK$2,708/mo
Today · 4.125%
HK$91,049
baseline
▲ 0.50% · 4.625%
HK$96,589
+HK$5,540/mo
Deposit HK$12.52M · loan HK$18.79M · min. income ≈ HK$182,098/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,330,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,314
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,870
−HK$2,593/mo
Today · 4.125%
HK$100,463
baseline
▲ 0.50% · 4.625%
HK$105,759
+HK$5,296/mo
Deposit HK$12.52M · loan HK$18.79M · min. income ≈ HK$200,926/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,330,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,955
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$103,065
−HK$3,158/mo
Today · 4.125%
HK$106,223
baseline
▲ 0.50% · 4.625%
HK$112,687
+HK$6,464/mo
Deposit HK$9.39M · loan HK$21.92M · min. income ≈ HK$212,446/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,199
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$114,182
−HK$3,025/mo
Today · 4.125%
HK$117,207
baseline
▲ 0.50% · 4.625%
HK$123,385
+HK$6,178/mo
Deposit HK$9.39M · loan HK$21.92M · min. income ≈ HK$234,414/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,514
−HK$8,059/mo
▼ 0.25% · 3.875%
HK$132,512
−HK$4,061/mo
Today · 4.125%
HK$136,573
baseline
▲ 0.50% · 4.625%
HK$144,883
+HK$8,310/mo
Deposit HK$3.13M · loan HK$28.18M · min. income ≈ HK$273,146/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,971
−HK$7,724/mo
▼ 0.25% · 3.875%
HK$146,805
−HK$3,890/mo
Today · 4.125%
HK$150,695
baseline
▲ 0.50% · 4.625%
HK$158,638
+HK$7,943/mo
Deposit HK$3.13M · loan HK$28.18M · min. income ≈ HK$301,390/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,710 · Scale 2, in force from 26 Feb 2026)