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$71,839
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,074
−HK$2,270/mo
Today · 4.125%
HK$76,344
baseline
▲ 0.50% · 4.625%
HK$80,990
+HK$4,646/mo
Deposit HK$15.75M · loan HK$15.75M · min. income ≈ HK$152,688/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,338,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,921
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,064
−HK$2,174/mo
Today · 4.125%
HK$84,238
baseline
▲ 0.50% · 4.625%
HK$88,679
+HK$4,441/mo
Deposit HK$15.75M · loan HK$15.75M · min. income ≈ HK$168,476/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,338,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,207
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$88,889
−HK$2,724/mo
Today · 4.125%
HK$91,613
baseline
▲ 0.50% · 4.625%
HK$97,188
+HK$5,575/mo
Deposit HK$12.60M · loan HK$18.90M · min. income ≈ HK$183,226/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,338,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,905
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$98,477
−HK$2,609/mo
Today · 4.125%
HK$101,086
baseline
▲ 0.50% · 4.625%
HK$106,414
+HK$5,328/mo
Deposit HK$12.60M · loan HK$18.90M · min. income ≈ HK$202,172/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,338,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,575
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$103,704
−HK$3,178/mo
Today · 4.125%
HK$106,882
baseline
▲ 0.50% · 4.625%
HK$113,386
+HK$6,504/mo
Deposit HK$9.45M · loan HK$22.05M · min. income ≈ HK$213,764/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,338,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,889
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$114,890
−HK$3,044/mo
Today · 4.125%
HK$117,934
baseline
▲ 0.50% · 4.625%
HK$124,150
+HK$6,216/mo
Deposit HK$9.45M · loan HK$22.05M · min. income ≈ HK$235,868/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,338,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,311
−HK$8,109/mo
▼ 0.25% · 3.875%
HK$133,333
−HK$4,087/mo
Today · 4.125%
HK$137,420
baseline
▲ 0.50% · 4.625%
HK$145,781
+HK$8,361/mo
Deposit HK$3.15M · loan HK$28.35M · min. income ≈ HK$274,840/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,857
−HK$7,772/mo
▼ 0.25% · 3.875%
HK$147,715
−HK$3,914/mo
Today · 4.125%
HK$151,629
baseline
▲ 0.50% · 4.625%
HK$159,622
+HK$7,993/mo
Deposit HK$3.15M · loan HK$28.35M · min. income ≈ HK$303,258/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,961 · Scale 2, in force from 26 Feb 2026)