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$71,291
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,509
−HK$2,253/mo
Today · 4.125%
HK$75,762
baseline
▲ 0.50% · 4.625%
HK$80,372
+HK$4,610/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$151,524/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,311
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,438
−HK$2,158/mo
Today · 4.125%
HK$83,596
baseline
▲ 0.50% · 4.625%
HK$88,002
+HK$4,406/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$167,192/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,549
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$88,210
−HK$2,704/mo
Today · 4.125%
HK$90,914
baseline
▲ 0.50% · 4.625%
HK$96,446
+HK$5,532/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$181,828/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,173
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,725
−HK$2,590/mo
Today · 4.125%
HK$100,315
baseline
▲ 0.50% · 4.625%
HK$105,602
+HK$5,287/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$200,630/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,808
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$102,912
−HK$3,154/mo
Today · 4.125%
HK$106,066
baseline
▲ 0.50% · 4.625%
HK$112,520
+HK$6,454/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$212,132/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,035
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$114,013
−HK$3,021/mo
Today · 4.125%
HK$117,034
baseline
▲ 0.50% · 4.625%
HK$123,203
+HK$6,169/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$234,068/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,324
−HK$8,047/mo
▼ 0.25% · 3.875%
HK$132,316
−HK$4,055/mo
Today · 4.125%
HK$136,371
baseline
▲ 0.50% · 4.625%
HK$144,669
+HK$8,298/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$272,742/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,328,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,759
−HK$7,713/mo
▼ 0.25% · 3.875%
HK$146,588
−HK$3,884/mo
Today · 4.125%
HK$150,472
baseline
▲ 0.50% · 4.625%
HK$158,404
+HK$7,932/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$300,944/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,328,743 · Scale 2, in force from 26 Feb 2026)