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$71,147
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,360
−HK$2,248/mo
Today · 4.125%
HK$75,608
baseline
▲ 0.50% · 4.625%
HK$80,209
+HK$4,601/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,216/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,150
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,273
−HK$2,153/mo
Today · 4.125%
HK$83,426
baseline
▲ 0.50% · 4.625%
HK$87,824
+HK$4,398/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,852/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,376
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,032
−HK$2,698/mo
Today · 4.125%
HK$90,730
baseline
▲ 0.50% · 4.625%
HK$96,251
+HK$5,521/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$181,460/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,980
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,528
−HK$2,584/mo
Today · 4.125%
HK$100,112
baseline
▲ 0.50% · 4.625%
HK$105,389
+HK$5,277/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$200,224/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,606
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,704
−HK$3,148/mo
Today · 4.125%
HK$105,852
baseline
▲ 0.50% · 4.625%
HK$112,293
+HK$6,441/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$211,704/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,810
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,782
−HK$3,015/mo
Today · 4.125%
HK$116,797
baseline
▲ 0.50% · 4.625%
HK$122,954
+HK$6,157/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$233,594/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,064
−HK$8,031/mo
▼ 0.25% · 3.875%
HK$132,048
−HK$4,047/mo
Today · 4.125%
HK$136,095
baseline
▲ 0.50% · 4.625%
HK$144,376
+HK$8,281/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$272,190/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,470
−HK$7,698/mo
▼ 0.25% · 3.875%
HK$146,291
−HK$3,877/mo
Today · 4.125%
HK$150,168
baseline
▲ 0.50% · 4.625%
HK$158,083
+HK$7,915/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$300,336/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,055 · Scale 2, in force from 26 Feb 2026)