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$71,267
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,484
−HK$2,252/mo
Today · 4.125%
HK$75,736
baseline
▲ 0.50% · 4.625%
HK$80,345
+HK$4,609/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$151,472/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,284
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,410
−HK$2,158/mo
Today · 4.125%
HK$83,568
baseline
▲ 0.50% · 4.625%
HK$87,973
+HK$4,405/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$167,136/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,521
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,181
−HK$2,703/mo
Today · 4.125%
HK$90,884
baseline
▲ 0.50% · 4.625%
HK$96,414
+HK$5,530/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$181,768/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,141
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,693
−HK$2,588/mo
Today · 4.125%
HK$100,281
baseline
▲ 0.50% · 4.625%
HK$105,567
+HK$5,286/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$200,562/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,774
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$102,878
−HK$3,153/mo
Today · 4.125%
HK$106,031
baseline
▲ 0.50% · 4.625%
HK$112,483
+HK$6,452/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$212,062/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,328,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,998
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$113,975
−HK$3,020/mo
Today · 4.125%
HK$116,995
baseline
▲ 0.50% · 4.625%
HK$123,162
+HK$6,167/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$233,990/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,328,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,281
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$132,271
−HK$4,054/mo
Today · 4.125%
HK$136,325
baseline
▲ 0.50% · 4.625%
HK$144,621
+HK$8,296/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$272,650/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,711
−HK$7,711/mo
▼ 0.25% · 3.875%
HK$146,539
−HK$3,883/mo
Today · 4.125%
HK$150,422
baseline
▲ 0.50% · 4.625%
HK$158,351
+HK$7,929/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$300,844/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,298 · Scale 2, in force from 26 Feb 2026)