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$71,195
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,410
−HK$2,250/mo
Today · 4.125%
HK$75,660
baseline
▲ 0.50% · 4.625%
HK$80,263
+HK$4,603/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$151,320/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,326,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,204
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,328
−HK$2,155/mo
Today · 4.125%
HK$83,483
baseline
▲ 0.50% · 4.625%
HK$87,883
+HK$4,400/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$166,966/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,326,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,434
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$88,092
−HK$2,699/mo
Today · 4.125%
HK$90,791
baseline
▲ 0.50% · 4.625%
HK$96,316
+HK$5,525/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$181,582/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,326,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,044
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$97,594
−HK$2,585/mo
Today · 4.125%
HK$100,179
baseline
▲ 0.50% · 4.625%
HK$105,460
+HK$5,281/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$200,358/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,326,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,673
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,773
−HK$3,150/mo
Today · 4.125%
HK$105,923
baseline
▲ 0.50% · 4.625%
HK$112,369
+HK$6,446/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$211,846/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,885
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$113,859
−HK$3,017/mo
Today · 4.125%
HK$116,876
baseline
▲ 0.50% · 4.625%
HK$123,037
+HK$6,161/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$233,752/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,151
−HK$8,036/mo
▼ 0.25% · 3.875%
HK$132,137
−HK$4,050/mo
Today · 4.125%
HK$136,187
baseline
▲ 0.50% · 4.625%
HK$144,474
+HK$8,287/mo
Deposit HK$3.12M · loan HK$28.10M · min. income ≈ HK$272,374/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,567
−HK$7,702/mo
▼ 0.25% · 3.875%
HK$146,390
−HK$3,879/mo
Today · 4.125%
HK$150,269
baseline
▲ 0.50% · 4.625%
HK$158,190
+HK$7,921/mo
Deposit HK$3.12M · loan HK$28.10M · min. income ≈ HK$300,538/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,951 · Scale 2, in force from 26 Feb 2026)