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$71,555
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,781
−HK$2,261/mo
Today · 4.125%
HK$76,042
baseline
▲ 0.50% · 4.625%
HK$80,669
+HK$4,627/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,084/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,604
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,739
−HK$2,166/mo
Today · 4.125%
HK$83,905
baseline
▲ 0.50% · 4.625%
HK$88,328
+HK$4,423/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,810/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,866
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$88,537
−HK$2,714/mo
Today · 4.125%
HK$91,251
baseline
▲ 0.50% · 4.625%
HK$96,803
+HK$5,552/mo
Deposit HK$12.55M · loan HK$18.83M · min. income ≈ HK$182,502/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,333,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,525
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,087
−HK$2,599/mo
Today · 4.125%
HK$100,686
baseline
▲ 0.50% · 4.625%
HK$105,993
+HK$5,307/mo
Deposit HK$12.55M · loan HK$18.83M · min. income ≈ HK$201,372/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,333,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,177
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$103,293
−HK$3,166/mo
Today · 4.125%
HK$106,459
baseline
▲ 0.50% · 4.625%
HK$112,937
+HK$6,478/mo
Deposit HK$9.41M · loan HK$21.97M · min. income ≈ HK$212,918/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,446
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$114,435
−HK$3,032/mo
Today · 4.125%
HK$117,467
baseline
▲ 0.50% · 4.625%
HK$123,659
+HK$6,192/mo
Deposit HK$9.41M · loan HK$21.97M · min. income ≈ HK$234,934/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,799
−HK$8,077/mo
▼ 0.25% · 3.875%
HK$132,806
−HK$4,070/mo
Today · 4.125%
HK$136,876
baseline
▲ 0.50% · 4.625%
HK$145,205
+HK$8,329/mo
Deposit HK$3.14M · loan HK$28.24M · min. income ≈ HK$273,752/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,288
−HK$7,741/mo
▼ 0.25% · 3.875%
HK$147,131
−HK$3,898/mo
Today · 4.125%
HK$151,029
baseline
▲ 0.50% · 4.625%
HK$158,990
+HK$7,961/mo
Deposit HK$3.14M · loan HK$28.24M · min. income ≈ HK$302,058/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,663 · Scale 2, in force from 26 Feb 2026)