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$71,456
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,679
−HK$2,258/mo
Today · 4.125%
HK$75,937
baseline
▲ 0.50% · 4.625%
HK$80,557
+HK$4,620/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$151,874/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,494
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,626
−HK$2,163/mo
Today · 4.125%
HK$83,789
baseline
▲ 0.50% · 4.625%
HK$88,205
+HK$4,416/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$167,578/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,747
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$88,414
−HK$2,710/mo
Today · 4.125%
HK$91,124
baseline
▲ 0.50% · 4.625%
HK$96,669
+HK$5,545/mo
Deposit HK$12.53M · loan HK$18.80M · min. income ≈ HK$182,248/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,331,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,393
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$97,951
−HK$2,595/mo
Today · 4.125%
HK$100,546
baseline
▲ 0.50% · 4.625%
HK$105,846
+HK$5,300/mo
Deposit HK$12.53M · loan HK$18.80M · min. income ≈ HK$201,092/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,331,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,038
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$103,150
−HK$3,161/mo
Today · 4.125%
HK$106,311
baseline
▲ 0.50% · 4.625%
HK$112,780
+HK$6,469/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$212,622/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,291
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$114,276
−HK$3,028/mo
Today · 4.125%
HK$117,304
baseline
▲ 0.50% · 4.625%
HK$123,487
+HK$6,183/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$234,608/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,621
−HK$8,065/mo
▼ 0.25% · 3.875%
HK$132,621
−HK$4,065/mo
Today · 4.125%
HK$136,686
baseline
▲ 0.50% · 4.625%
HK$145,003
+HK$8,317/mo
Deposit HK$3.13M · loan HK$28.20M · min. income ≈ HK$273,372/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,331,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,089
−HK$7,731/mo
▼ 0.25% · 3.875%
HK$146,927
−HK$3,893/mo
Today · 4.125%
HK$150,820
baseline
▲ 0.50% · 4.625%
HK$158,770
+HK$7,950/mo
Deposit HK$3.13M · loan HK$28.20M · min. income ≈ HK$301,640/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,331,813 · Scale 2, in force from 26 Feb 2026)