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$71,157
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,371
−HK$2,249/mo
Today · 4.125%
HK$75,620
baseline
▲ 0.50% · 4.625%
HK$80,221
+HK$4,601/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,240/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,162
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,285
−HK$2,154/mo
Today · 4.125%
HK$83,439
baseline
▲ 0.50% · 4.625%
HK$87,837
+HK$4,398/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,878/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,389
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,045
−HK$2,699/mo
Today · 4.125%
HK$90,744
baseline
▲ 0.50% · 4.625%
HK$96,265
+HK$5,521/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$181,488/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,994
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$97,542
−HK$2,585/mo
Today · 4.125%
HK$100,127
baseline
▲ 0.50% · 4.625%
HK$105,404
+HK$5,277/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$200,254/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,620
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$102,719
−HK$3,149/mo
Today · 4.125%
HK$105,868
baseline
▲ 0.50% · 4.625%
HK$112,309
+HK$6,441/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$211,736/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,827
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,799
−HK$3,015/mo
Today · 4.125%
HK$116,814
baseline
▲ 0.50% · 4.625%
HK$122,972
+HK$6,158/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$233,628/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,083
−HK$8,032/mo
▼ 0.25% · 3.875%
HK$132,068
−HK$4,047/mo
Today · 4.125%
HK$136,115
baseline
▲ 0.50% · 4.625%
HK$144,398
+HK$8,283/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$272,230/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,492
−HK$7,698/mo
▼ 0.25% · 3.875%
HK$146,313
−HK$3,877/mo
Today · 4.125%
HK$150,190
baseline
▲ 0.50% · 4.625%
HK$158,107
+HK$7,917/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$300,380/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,251 · Scale 2, in force from 26 Feb 2026)