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$71,573
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,800
−HK$2,262/mo
Today · 4.125%
HK$76,062
baseline
▲ 0.50% · 4.625%
HK$80,690
+HK$4,628/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,124/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,625
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,760
−HK$2,166/mo
Today · 4.125%
HK$83,926
baseline
▲ 0.50% · 4.625%
HK$88,350
+HK$4,424/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,852/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,888
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,560
−HK$2,714/mo
Today · 4.125%
HK$91,274
baseline
▲ 0.50% · 4.625%
HK$96,828
+HK$5,554/mo
Deposit HK$12.56M · loan HK$18.83M · min. income ≈ HK$182,548/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,549
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,112
−HK$2,600/mo
Today · 4.125%
HK$100,712
baseline
▲ 0.50% · 4.625%
HK$106,020
+HK$5,308/mo
Deposit HK$12.56M · loan HK$18.83M · min. income ≈ HK$201,424/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,203
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,319
−HK$3,167/mo
Today · 4.125%
HK$106,486
baseline
▲ 0.50% · 4.625%
HK$112,966
+HK$6,480/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$212,972/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,474
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$114,464
−HK$3,033/mo
Today · 4.125%
HK$117,497
baseline
▲ 0.50% · 4.625%
HK$123,690
+HK$6,193/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$234,994/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,832
−HK$8,079/mo
▼ 0.25% · 3.875%
HK$132,839
−HK$4,072/mo
Today · 4.125%
HK$136,911
baseline
▲ 0.50% · 4.625%
HK$145,242
+HK$8,331/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$273,822/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,324
−HK$7,744/mo
▼ 0.25% · 3.875%
HK$147,168
−HK$3,900/mo
Today · 4.125%
HK$151,068
baseline
▲ 0.50% · 4.625%
HK$159,031
+HK$7,963/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$302,136/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,002 · Scale 2, in force from 26 Feb 2026)