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$71,182
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,397
−HK$2,249/mo
Today · 4.125%
HK$75,646
baseline
▲ 0.50% · 4.625%
HK$80,249
+HK$4,603/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$151,292/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,326,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,190
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,313
−HK$2,155/mo
Today · 4.125%
HK$83,468
baseline
▲ 0.50% · 4.625%
HK$87,868
+HK$4,400/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$166,936/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,326,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,419
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$88,076
−HK$2,699/mo
Today · 4.125%
HK$90,775
baseline
▲ 0.50% · 4.625%
HK$96,299
+HK$5,524/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$181,550/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,028
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,576
−HK$2,586/mo
Today · 4.125%
HK$100,162
baseline
▲ 0.50% · 4.625%
HK$105,441
+HK$5,279/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$200,324/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,655
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,755
−HK$3,150/mo
Today · 4.125%
HK$105,905
baseline
▲ 0.50% · 4.625%
HK$112,349
+HK$6,444/mo
Deposit HK$9.37M · loan HK$21.85M · min. income ≈ HK$211,810/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,865
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$113,839
−HK$3,016/mo
Today · 4.125%
HK$116,855
baseline
▲ 0.50% · 4.625%
HK$123,015
+HK$6,160/mo
Deposit HK$9.37M · loan HK$21.85M · min. income ≈ HK$233,710/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,128
−HK$8,035/mo
▼ 0.25% · 3.875%
HK$132,114
−HK$4,049/mo
Today · 4.125%
HK$136,163
baseline
▲ 0.50% · 4.625%
HK$144,448
+HK$8,285/mo
Deposit HK$3.12M · loan HK$28.10M · min. income ≈ HK$272,326/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,541
−HK$7,701/mo
▼ 0.25% · 3.875%
HK$146,364
−HK$3,878/mo
Today · 4.125%
HK$150,242
baseline
▲ 0.50% · 4.625%
HK$158,162
+HK$7,920/mo
Deposit HK$3.12M · loan HK$28.10M · min. income ≈ HK$300,484/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,715 · Scale 2, in force from 26 Feb 2026)