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$71,621
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,849
−HK$2,263/mo
Today · 4.125%
HK$76,112
baseline
▲ 0.50% · 4.625%
HK$80,744
+HK$4,632/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$152,224/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,678
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,815
−HK$2,168/mo
Today · 4.125%
HK$83,983
baseline
▲ 0.50% · 4.625%
HK$88,409
+HK$4,426/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$167,966/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,945
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,619
−HK$2,716/mo
Today · 4.125%
HK$91,335
baseline
▲ 0.50% · 4.625%
HK$96,892
+HK$5,557/mo
Deposit HK$12.56M · loan HK$18.85M · min. income ≈ HK$182,670/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,613
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,178
−HK$2,601/mo
Today · 4.125%
HK$100,779
baseline
▲ 0.50% · 4.625%
HK$106,091
+HK$5,312/mo
Deposit HK$12.56M · loan HK$18.85M · min. income ≈ HK$201,558/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,270
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$103,389
−HK$3,168/mo
Today · 4.125%
HK$106,557
baseline
▲ 0.50% · 4.625%
HK$113,041
+HK$6,484/mo
Deposit HK$9.42M · loan HK$21.99M · min. income ≈ HK$213,114/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,549
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$114,541
−HK$3,035/mo
Today · 4.125%
HK$117,576
baseline
▲ 0.50% · 4.625%
HK$123,773
+HK$6,197/mo
Deposit HK$9.42M · loan HK$21.99M · min. income ≈ HK$235,152/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,918
−HK$8,084/mo
▼ 0.25% · 3.875%
HK$132,928
−HK$4,074/mo
Today · 4.125%
HK$137,002
baseline
▲ 0.50% · 4.625%
HK$145,339
+HK$8,337/mo
Deposit HK$3.14M · loan HK$28.27M · min. income ≈ HK$274,004/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,334,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,420
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$147,266
−HK$3,903/mo
Today · 4.125%
HK$151,169
baseline
▲ 0.50% · 4.625%
HK$159,137
+HK$7,968/mo
Deposit HK$3.14M · loan HK$28.27M · min. income ≈ HK$302,338/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,334,893 · Scale 2, in force from 26 Feb 2026)