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$71,218
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,433
−HK$2,251/mo
Today · 4.125%
HK$75,684
baseline
▲ 0.50% · 4.625%
HK$80,289
+HK$4,605/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$151,368/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,230
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,354
−HK$2,156/mo
Today · 4.125%
HK$83,510
baseline
▲ 0.50% · 4.625%
HK$87,912
+HK$4,402/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$167,020/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,462
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$88,120
−HK$2,701/mo
Today · 4.125%
HK$90,821
baseline
▲ 0.50% · 4.625%
HK$96,347
+HK$5,526/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$181,642/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,075
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,625
−HK$2,587/mo
Today · 4.125%
HK$100,212
baseline
▲ 0.50% · 4.625%
HK$105,494
+HK$5,282/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$200,424/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,705
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,807
−HK$3,151/mo
Today · 4.125%
HK$105,958
baseline
▲ 0.50% · 4.625%
HK$112,405
+HK$6,447/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$211,916/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,921
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$113,896
−HK$3,018/mo
Today · 4.125%
HK$116,914
baseline
▲ 0.50% · 4.625%
HK$123,077
+HK$6,163/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$233,828/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,193
−HK$8,039/mo
▼ 0.25% · 3.875%
HK$132,180
−HK$4,052/mo
Today · 4.125%
HK$136,232
baseline
▲ 0.50% · 4.625%
HK$144,521
+HK$8,289/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$272,464/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,613
−HK$7,705/mo
▼ 0.25% · 3.875%
HK$146,438
−HK$3,880/mo
Today · 4.125%
HK$150,318
baseline
▲ 0.50% · 4.625%
HK$158,242
+HK$7,924/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$300,636/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,384 · Scale 2, in force from 26 Feb 2026)