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$71,348
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,567
−HK$2,255/mo
Today · 4.125%
HK$75,822
baseline
▲ 0.50% · 4.625%
HK$80,435
+HK$4,613/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,644/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,373
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,502
−HK$2,160/mo
Today · 4.125%
HK$83,662
baseline
▲ 0.50% · 4.625%
HK$88,072
+HK$4,410/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,324/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,617
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$88,280
−HK$2,706/mo
Today · 4.125%
HK$90,986
baseline
▲ 0.50% · 4.625%
HK$96,522
+HK$5,536/mo
Deposit HK$12.52M · loan HK$18.77M · min. income ≈ HK$181,972/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,329,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,248
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$97,803
−HK$2,591/mo
Today · 4.125%
HK$100,394
baseline
▲ 0.50% · 4.625%
HK$105,686
+HK$5,292/mo
Deposit HK$12.52M · loan HK$18.77M · min. income ≈ HK$200,788/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,329,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,887
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,994
−HK$3,156/mo
Today · 4.125%
HK$106,150
baseline
▲ 0.50% · 4.625%
HK$112,609
+HK$6,459/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$212,300/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,123
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,103
−HK$3,023/mo
Today · 4.125%
HK$117,126
baseline
▲ 0.50% · 4.625%
HK$123,300
+HK$6,174/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$234,252/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,426
−HK$8,053/mo
▼ 0.25% · 3.875%
HK$132,420
−HK$4,059/mo
Today · 4.125%
HK$136,479
baseline
▲ 0.50% · 4.625%
HK$144,783
+HK$8,304/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$272,958/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,872
−HK$7,719/mo
▼ 0.25% · 3.875%
HK$146,704
−HK$3,887/mo
Today · 4.125%
HK$150,591
baseline
▲ 0.50% · 4.625%
HK$158,529
+HK$7,938/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$301,182/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,794 · Scale 2, in force from 26 Feb 2026)