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$71,177
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,391
−HK$2,249/mo
Today · 4.125%
HK$75,640
baseline
▲ 0.50% · 4.625%
HK$80,243
+HK$4,603/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$151,280/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,184
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,307
−HK$2,155/mo
Today · 4.125%
HK$83,462
baseline
▲ 0.50% · 4.625%
HK$87,861
+HK$4,399/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$166,924/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,412
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$88,069
−HK$2,700/mo
Today · 4.125%
HK$90,769
baseline
▲ 0.50% · 4.625%
HK$96,292
+HK$5,523/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$181,538/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,020
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,569
−HK$2,585/mo
Today · 4.125%
HK$100,154
baseline
▲ 0.50% · 4.625%
HK$105,433
+HK$5,279/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$200,308/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,648
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$102,747
−HK$3,150/mo
Today · 4.125%
HK$105,897
baseline
▲ 0.50% · 4.625%
HK$112,340
+HK$6,443/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$211,794/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,857
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$113,830
−HK$3,017/mo
Today · 4.125%
HK$116,847
baseline
▲ 0.50% · 4.625%
HK$123,006
+HK$6,159/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$233,694/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,119
−HK$8,034/mo
▼ 0.25% · 3.875%
HK$132,104
−HK$4,049/mo
Today · 4.125%
HK$136,153
baseline
▲ 0.50% · 4.625%
HK$144,437
+HK$8,284/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$272,306/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,531
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$146,353
−HK$3,878/mo
Today · 4.125%
HK$150,231
baseline
▲ 0.50% · 4.625%
HK$158,150
+HK$7,919/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$300,462/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,616 · Scale 2, in force from 26 Feb 2026)