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$71,453
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,676
−HK$2,258/mo
Today · 4.125%
HK$75,934
baseline
▲ 0.50% · 4.625%
HK$80,554
+HK$4,620/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$151,868/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,491
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,623
−HK$2,162/mo
Today · 4.125%
HK$83,785
baseline
▲ 0.50% · 4.625%
HK$88,202
+HK$4,417/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$167,570/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,744
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$88,411
−HK$2,710/mo
Today · 4.125%
HK$91,121
baseline
▲ 0.50% · 4.625%
HK$96,665
+HK$5,544/mo
Deposit HK$12.53M · loan HK$18.80M · min. income ≈ HK$182,242/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,331,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,389
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$97,947
−HK$2,596/mo
Today · 4.125%
HK$100,543
baseline
▲ 0.50% · 4.625%
HK$105,842
+HK$5,299/mo
Deposit HK$12.53M · loan HK$18.80M · min. income ≈ HK$201,086/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,331,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,034
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$103,146
−HK$3,161/mo
Today · 4.125%
HK$106,307
baseline
▲ 0.50% · 4.625%
HK$112,776
+HK$6,469/mo
Deposit HK$9.40M · loan HK$21.93M · min. income ≈ HK$212,614/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,287
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$114,272
−HK$3,028/mo
Today · 4.125%
HK$117,300
baseline
▲ 0.50% · 4.625%
HK$123,483
+HK$6,183/mo
Deposit HK$9.40M · loan HK$21.93M · min. income ≈ HK$234,600/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,616
−HK$8,065/mo
▼ 0.25% · 3.875%
HK$132,616
−HK$4,065/mo
Today · 4.125%
HK$136,681
baseline
▲ 0.50% · 4.625%
HK$144,998
+HK$8,317/mo
Deposit HK$3.13M · loan HK$28.20M · min. income ≈ HK$273,362/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,331,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,083
−HK$7,731/mo
▼ 0.25% · 3.875%
HK$146,921
−HK$3,893/mo
Today · 4.125%
HK$150,814
baseline
▲ 0.50% · 4.625%
HK$158,763
+HK$7,949/mo
Deposit HK$3.13M · loan HK$28.20M · min. income ≈ HK$301,628/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,331,761 · Scale 2, in force from 26 Feb 2026)