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$71,553
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,779
−HK$2,261/mo
Today · 4.125%
HK$76,040
baseline
▲ 0.50% · 4.625%
HK$80,667
+HK$4,627/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,080/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,602
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,737
−HK$2,166/mo
Today · 4.125%
HK$83,903
baseline
▲ 0.50% · 4.625%
HK$88,326
+HK$4,423/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,806/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,864
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$88,535
−HK$2,713/mo
Today · 4.125%
HK$91,248
baseline
▲ 0.50% · 4.625%
HK$96,801
+HK$5,553/mo
Deposit HK$12.55M · loan HK$18.83M · min. income ≈ HK$182,496/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,333,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,523
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,085
−HK$2,599/mo
Today · 4.125%
HK$100,684
baseline
▲ 0.50% · 4.625%
HK$105,991
+HK$5,307/mo
Deposit HK$12.55M · loan HK$18.83M · min. income ≈ HK$201,368/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,333,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,175
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$103,291
−HK$3,166/mo
Today · 4.125%
HK$106,457
baseline
▲ 0.50% · 4.625%
HK$112,934
+HK$6,477/mo
Deposit HK$9.41M · loan HK$21.97M · min. income ≈ HK$212,914/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,443
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$114,432
−HK$3,032/mo
Today · 4.125%
HK$117,464
baseline
▲ 0.50% · 4.625%
HK$123,656
+HK$6,192/mo
Deposit HK$9.41M · loan HK$21.97M · min. income ≈ HK$234,928/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,796
−HK$8,077/mo
▼ 0.25% · 3.875%
HK$132,802
−HK$4,071/mo
Today · 4.125%
HK$136,873
baseline
▲ 0.50% · 4.625%
HK$145,201
+HK$8,328/mo
Deposit HK$3.14M · loan HK$28.24M · min. income ≈ HK$273,746/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,284
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$147,127
−HK$3,899/mo
Today · 4.125%
HK$151,026
baseline
▲ 0.50% · 4.625%
HK$158,986
+HK$7,960/mo
Deposit HK$3.14M · loan HK$28.24M · min. income ≈ HK$302,052/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,631 · Scale 2, in force from 26 Feb 2026)