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$71,354
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,573
−HK$2,255/mo
Today · 4.125%
HK$75,828
baseline
▲ 0.50% · 4.625%
HK$80,442
+HK$4,614/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$151,656/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,329,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,380
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,509
−HK$2,160/mo
Today · 4.125%
HK$83,669
baseline
▲ 0.50% · 4.625%
HK$88,079
+HK$4,410/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$167,338/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,329,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,624
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,288
−HK$2,706/mo
Today · 4.125%
HK$90,994
baseline
▲ 0.50% · 4.625%
HK$96,531
+HK$5,537/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$181,988/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,329,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,256
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,811
−HK$2,592/mo
Today · 4.125%
HK$100,403
baseline
▲ 0.50% · 4.625%
HK$105,695
+HK$5,292/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$200,806/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,329,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,895
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$103,002
−HK$3,157/mo
Today · 4.125%
HK$106,159
baseline
▲ 0.50% · 4.625%
HK$112,619
+HK$6,460/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$212,318/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,132
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,113
−HK$3,023/mo
Today · 4.125%
HK$117,136
baseline
▲ 0.50% · 4.625%
HK$123,311
+HK$6,175/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$234,272/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,437
−HK$8,054/mo
▼ 0.25% · 3.875%
HK$132,432
−HK$4,059/mo
Today · 4.125%
HK$136,491
baseline
▲ 0.50% · 4.625%
HK$144,796
+HK$8,305/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$272,982/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,884
−HK$7,720/mo
▼ 0.25% · 3.875%
HK$146,717
−HK$3,887/mo
Today · 4.125%
HK$150,604
baseline
▲ 0.50% · 4.625%
HK$158,543
+HK$7,939/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$301,208/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,909 · Scale 2, in force from 26 Feb 2026)