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$71,494
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,718
−HK$2,260/mo
Today · 4.125%
HK$75,978
baseline
▲ 0.50% · 4.625%
HK$80,601
+HK$4,623/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$151,956/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,537
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,670
−HK$2,164/mo
Today · 4.125%
HK$83,834
baseline
▲ 0.50% · 4.625%
HK$88,253
+HK$4,419/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$167,668/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,793
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,462
−HK$2,711/mo
Today · 4.125%
HK$91,173
baseline
▲ 0.50% · 4.625%
HK$96,721
+HK$5,548/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$182,346/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,444
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$98,004
−HK$2,596/mo
Today · 4.125%
HK$100,600
baseline
▲ 0.50% · 4.625%
HK$105,903
+HK$5,303/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$201,200/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,092
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$103,205
−HK$3,164/mo
Today · 4.125%
HK$106,369
baseline
▲ 0.50% · 4.625%
HK$112,841
+HK$6,472/mo
Deposit HK$9.41M · loan HK$21.95M · min. income ≈ HK$212,738/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,351
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$114,338
−HK$3,029/mo
Today · 4.125%
HK$117,367
baseline
▲ 0.50% · 4.625%
HK$123,554
+HK$6,187/mo
Deposit HK$9.41M · loan HK$21.95M · min. income ≈ HK$234,734/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,690
−HK$8,070/mo
▼ 0.25% · 3.875%
HK$132,693
−HK$4,067/mo
Today · 4.125%
HK$136,760
baseline
▲ 0.50% · 4.625%
HK$145,081
+HK$8,321/mo
Deposit HK$3.14M · loan HK$28.22M · min. income ≈ HK$273,520/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,166
−HK$7,735/mo
▼ 0.25% · 3.875%
HK$147,005
−HK$3,896/mo
Today · 4.125%
HK$150,901
baseline
▲ 0.50% · 4.625%
HK$158,855
+HK$7,954/mo
Deposit HK$3.14M · loan HK$28.22M · min. income ≈ HK$301,802/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,528 · Scale 2, in force from 26 Feb 2026)