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$71,113
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,325
−HK$2,247/mo
Today · 4.125%
HK$75,572
baseline
▲ 0.50% · 4.625%
HK$80,170
+HK$4,598/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,144/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,112
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,234
−HK$2,152/mo
Today · 4.125%
HK$83,386
baseline
▲ 0.50% · 4.625%
HK$87,782
+HK$4,396/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,772/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,335
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,990
−HK$2,696/mo
Today · 4.125%
HK$90,686
baseline
▲ 0.50% · 4.625%
HK$96,204
+HK$5,518/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$181,372/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,934
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,481
−HK$2,582/mo
Today · 4.125%
HK$100,063
baseline
▲ 0.50% · 4.625%
HK$105,338
+HK$5,275/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$200,126/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,558
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$102,654
−HK$3,147/mo
Today · 4.125%
HK$105,801
baseline
▲ 0.50% · 4.625%
HK$112,238
+HK$6,437/mo
Deposit HK$9.36M · loan HK$21.83M · min. income ≈ HK$211,602/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,757
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$113,727
−HK$3,014/mo
Today · 4.125%
HK$116,741
baseline
▲ 0.50% · 4.625%
HK$122,894
+HK$6,153/mo
Deposit HK$9.36M · loan HK$21.83M · min. income ≈ HK$233,482/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,003
−HK$8,027/mo
▼ 0.25% · 3.875%
HK$131,984
−HK$4,046/mo
Today · 4.125%
HK$136,030
baseline
▲ 0.50% · 4.625%
HK$144,307
+HK$8,277/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$272,060/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,402
−HK$7,693/mo
▼ 0.25% · 3.875%
HK$146,221
−HK$3,874/mo
Today · 4.125%
HK$150,095
baseline
▲ 0.50% · 4.625%
HK$158,007
+HK$7,912/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$300,190/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,415 · Scale 2, in force from 26 Feb 2026)