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$71,121
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,334
−HK$2,247/mo
Today · 4.125%
HK$75,581
baseline
▲ 0.50% · 4.625%
HK$80,180
+HK$4,599/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,162/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,122
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,244
−HK$2,152/mo
Today · 4.125%
HK$83,396
baseline
▲ 0.50% · 4.625%
HK$87,792
+HK$4,396/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,792/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,345
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$88,000
−HK$2,697/mo
Today · 4.125%
HK$90,697
baseline
▲ 0.50% · 4.625%
HK$96,216
+HK$5,519/mo
Deposit HK$12.48M · loan HK$18.71M · min. income ≈ HK$181,394/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,946
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,492
−HK$2,584/mo
Today · 4.125%
HK$100,076
baseline
▲ 0.50% · 4.625%
HK$105,351
+HK$5,275/mo
Deposit HK$12.48M · loan HK$18.71M · min. income ≈ HK$200,152/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,570
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$102,667
−HK$3,147/mo
Today · 4.125%
HK$105,814
baseline
▲ 0.50% · 4.625%
HK$112,252
+HK$6,438/mo
Deposit HK$9.36M · loan HK$21.83M · min. income ≈ HK$211,628/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,770
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$113,741
−HK$3,014/mo
Today · 4.125%
HK$116,755
baseline
▲ 0.50% · 4.625%
HK$122,909
+HK$6,154/mo
Deposit HK$9.36M · loan HK$21.83M · min. income ≈ HK$233,510/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,018
−HK$8,028/mo
▼ 0.25% · 3.875%
HK$132,000
−HK$4,046/mo
Today · 4.125%
HK$136,046
baseline
▲ 0.50% · 4.625%
HK$144,324
+HK$8,278/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$272,092/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,419
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$146,239
−HK$3,874/mo
Today · 4.125%
HK$150,113
baseline
▲ 0.50% · 4.625%
HK$158,026
+HK$7,913/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$300,226/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,576 · Scale 2, in force from 26 Feb 2026)