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$71,441
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,663
−HK$2,258/mo
Today · 4.125%
HK$75,921
baseline
▲ 0.50% · 4.625%
HK$80,540
+HK$4,619/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$151,842/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,477
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,609
−HK$2,162/mo
Today · 4.125%
HK$83,771
baseline
▲ 0.50% · 4.625%
HK$88,187
+HK$4,416/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$167,542/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,729
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$88,396
−HK$2,709/mo
Today · 4.125%
HK$91,105
baseline
▲ 0.50% · 4.625%
HK$96,648
+HK$5,543/mo
Deposit HK$12.53M · loan HK$18.80M · min. income ≈ HK$182,210/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,373
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,930
−HK$2,595/mo
Today · 4.125%
HK$100,525
baseline
▲ 0.50% · 4.625%
HK$105,824
+HK$5,299/mo
Deposit HK$12.53M · loan HK$18.80M · min. income ≈ HK$201,050/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,017
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$103,128
−HK$3,161/mo
Today · 4.125%
HK$106,289
baseline
▲ 0.50% · 4.625%
HK$112,756
+HK$6,467/mo
Deposit HK$9.40M · loan HK$21.93M · min. income ≈ HK$212,578/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,268
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$114,252
−HK$3,027/mo
Today · 4.125%
HK$117,279
baseline
▲ 0.50% · 4.625%
HK$123,461
+HK$6,182/mo
Deposit HK$9.40M · loan HK$21.93M · min. income ≈ HK$234,558/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,593
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$132,593
−HK$4,064/mo
Today · 4.125%
HK$136,657
baseline
▲ 0.50% · 4.625%
HK$144,972
+HK$8,315/mo
Deposit HK$3.13M · loan HK$28.20M · min. income ≈ HK$273,314/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,059
−HK$7,729/mo
▼ 0.25% · 3.875%
HK$146,896
−HK$3,892/mo
Today · 4.125%
HK$150,788
baseline
▲ 0.50% · 4.625%
HK$158,736
+HK$7,948/mo
Deposit HK$3.13M · loan HK$28.20M · min. income ≈ HK$301,576/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,531 · Scale 2, in force from 26 Feb 2026)