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$71,538
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,764
−HK$2,260/mo
Today · 4.125%
HK$76,024
baseline
▲ 0.50% · 4.625%
HK$80,650
+HK$4,626/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,048/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,586
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,720
−HK$2,165/mo
Today · 4.125%
HK$83,885
baseline
▲ 0.50% · 4.625%
HK$88,307
+HK$4,422/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,770/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,846
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,516
−HK$2,713/mo
Today · 4.125%
HK$91,229
baseline
▲ 0.50% · 4.625%
HK$96,780
+HK$5,551/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$182,458/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,503
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,064
−HK$2,598/mo
Today · 4.125%
HK$100,662
baseline
▲ 0.50% · 4.625%
HK$105,969
+HK$5,307/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$201,324/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,154
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$103,269
−HK$3,165/mo
Today · 4.125%
HK$106,434
baseline
▲ 0.50% · 4.625%
HK$112,910
+HK$6,476/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$212,868/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,420
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$114,408
−HK$3,032/mo
Today · 4.125%
HK$117,440
baseline
▲ 0.50% · 4.625%
HK$123,630
+HK$6,190/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$234,880/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,769
−HK$8,075/mo
▼ 0.25% · 3.875%
HK$132,774
−HK$4,070/mo
Today · 4.125%
HK$136,844
baseline
▲ 0.50% · 4.625%
HK$145,170
+HK$8,326/mo
Deposit HK$3.14M · loan HK$28.24M · min. income ≈ HK$273,688/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,254
−HK$7,740/mo
▼ 0.25% · 3.875%
HK$147,096
−HK$3,898/mo
Today · 4.125%
HK$150,994
baseline
▲ 0.50% · 4.625%
HK$158,953
+HK$7,959/mo
Deposit HK$3.14M · loan HK$28.24M · min. income ≈ HK$301,988/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,349 · Scale 2, in force from 26 Feb 2026)