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$71,855
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,090
−HK$2,271/mo
Today · 4.125%
HK$76,361
baseline
▲ 0.50% · 4.625%
HK$81,007
+HK$4,646/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$152,722/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,938
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,082
−HK$2,175/mo
Today · 4.125%
HK$84,257
baseline
▲ 0.50% · 4.625%
HK$88,698
+HK$4,441/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$168,514/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,226
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$88,908
−HK$2,725/mo
Today · 4.125%
HK$91,633
baseline
▲ 0.50% · 4.625%
HK$97,209
+HK$5,576/mo
Deposit HK$12.60M · loan HK$18.91M · min. income ≈ HK$183,266/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,339,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,926
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$98,498
−HK$2,610/mo
Today · 4.125%
HK$101,108
baseline
▲ 0.50% · 4.625%
HK$106,438
+HK$5,330/mo
Deposit HK$12.60M · loan HK$18.91M · min. income ≈ HK$202,216/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,339,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,597
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$103,726
−HK$3,180/mo
Today · 4.125%
HK$106,906
baseline
▲ 0.50% · 4.625%
HK$113,410
+HK$6,504/mo
Deposit HK$9.45M · loan HK$22.06M · min. income ≈ HK$213,812/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,339,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,913
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$114,915
−HK$3,045/mo
Today · 4.125%
HK$117,960
baseline
▲ 0.50% · 4.625%
HK$124,178
+HK$6,218/mo
Deposit HK$9.45M · loan HK$22.06M · min. income ≈ HK$235,920/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,339,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,339
−HK$8,111/mo
▼ 0.25% · 3.875%
HK$133,362
−HK$4,088/mo
Today · 4.125%
HK$137,450
baseline
▲ 0.50% · 4.625%
HK$145,813
+HK$8,363/mo
Deposit HK$3.15M · loan HK$28.36M · min. income ≈ HK$274,900/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,889
−HK$7,773/mo
▼ 0.25% · 3.875%
HK$147,748
−HK$3,914/mo
Today · 4.125%
HK$151,662
baseline
▲ 0.50% · 4.625%
HK$159,657
+HK$7,995/mo
Deposit HK$3.15M · loan HK$28.36M · min. income ≈ HK$303,324/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,255 · Scale 2, in force from 26 Feb 2026)