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$71,580
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,807
−HK$2,262/mo
Today · 4.125%
HK$76,069
baseline
▲ 0.50% · 4.625%
HK$80,697
+HK$4,628/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$152,138/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,632
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,768
−HK$2,166/mo
Today · 4.125%
HK$83,934
baseline
▲ 0.50% · 4.625%
HK$88,359
+HK$4,425/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$167,868/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,896
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$88,568
−HK$2,715/mo
Today · 4.125%
HK$91,283
baseline
▲ 0.50% · 4.625%
HK$96,837
+HK$5,554/mo
Deposit HK$12.56M · loan HK$18.83M · min. income ≈ HK$182,566/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,559
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,121
−HK$2,600/mo
Today · 4.125%
HK$100,721
baseline
▲ 0.50% · 4.625%
HK$106,031
+HK$5,310/mo
Deposit HK$12.56M · loan HK$18.83M · min. income ≈ HK$201,442/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,212
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$103,329
−HK$3,167/mo
Today · 4.125%
HK$106,496
baseline
▲ 0.50% · 4.625%
HK$112,976
+HK$6,480/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$212,992/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,485
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$114,475
−HK$3,033/mo
Today · 4.125%
HK$117,508
baseline
▲ 0.50% · 4.625%
HK$123,702
+HK$6,194/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$235,016/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,844
−HK$8,080/mo
▼ 0.25% · 3.875%
HK$132,852
−HK$4,072/mo
Today · 4.125%
HK$136,924
baseline
▲ 0.50% · 4.625%
HK$145,255
+HK$8,331/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$273,848/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,338
−HK$7,744/mo
▼ 0.25% · 3.875%
HK$147,182
−HK$3,900/mo
Today · 4.125%
HK$151,082
baseline
▲ 0.50% · 4.625%
HK$159,046
+HK$7,964/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$302,164/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,129 · Scale 2, in force from 26 Feb 2026)