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$71,371
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,591
−HK$2,256/mo
Today · 4.125%
HK$75,847
baseline
▲ 0.50% · 4.625%
HK$80,462
+HK$4,615/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$151,694/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,400
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,529
−HK$2,161/mo
Today · 4.125%
HK$83,690
baseline
▲ 0.50% · 4.625%
HK$88,101
+HK$4,411/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$167,380/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,646
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,310
−HK$2,706/mo
Today · 4.125%
HK$91,016
baseline
▲ 0.50% · 4.625%
HK$96,555
+HK$5,539/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$182,032/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,280
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,835
−HK$2,593/mo
Today · 4.125%
HK$100,428
baseline
▲ 0.50% · 4.625%
HK$105,721
+HK$5,293/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$200,856/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,920
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$103,028
−HK$3,158/mo
Today · 4.125%
HK$106,186
baseline
▲ 0.50% · 4.625%
HK$112,647
+HK$6,461/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$212,372/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,160
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$114,141
−HK$3,025/mo
Today · 4.125%
HK$117,166
baseline
▲ 0.50% · 4.625%
HK$123,342
+HK$6,176/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$234,332/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,469
−HK$8,056/mo
▼ 0.25% · 3.875%
HK$132,465
−HK$4,060/mo
Today · 4.125%
HK$136,525
baseline
▲ 0.50% · 4.625%
HK$144,832
+HK$8,307/mo
Deposit HK$3.13M · loan HK$28.17M · min. income ≈ HK$273,050/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,920
−HK$7,722/mo
▼ 0.25% · 3.875%
HK$146,753
−HK$3,889/mo
Today · 4.125%
HK$150,642
baseline
▲ 0.50% · 4.625%
HK$158,582
+HK$7,940/mo
Deposit HK$3.13M · loan HK$28.17M · min. income ≈ HK$301,284/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,240 · Scale 2, in force from 26 Feb 2026)