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$71,574
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,800
−HK$2,262/mo
Today · 4.125%
HK$76,062
baseline
▲ 0.50% · 4.625%
HK$80,690
+HK$4,628/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,124/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,625
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,760
−HK$2,167/mo
Today · 4.125%
HK$83,927
baseline
▲ 0.50% · 4.625%
HK$88,351
+HK$4,424/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,854/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,888
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,560
−HK$2,714/mo
Today · 4.125%
HK$91,274
baseline
▲ 0.50% · 4.625%
HK$96,828
+HK$5,554/mo
Deposit HK$12.56M · loan HK$18.83M · min. income ≈ HK$182,548/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,550
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,113
−HK$2,599/mo
Today · 4.125%
HK$100,712
baseline
▲ 0.50% · 4.625%
HK$106,021
+HK$5,309/mo
Deposit HK$12.56M · loan HK$18.83M · min. income ≈ HK$201,424/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,203
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$103,320
−HK$3,167/mo
Today · 4.125%
HK$106,487
baseline
▲ 0.50% · 4.625%
HK$112,966
+HK$6,479/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$212,974/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,475
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$114,465
−HK$3,033/mo
Today · 4.125%
HK$117,498
baseline
▲ 0.50% · 4.625%
HK$123,691
+HK$6,193/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$234,996/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,833
−HK$8,079/mo
▼ 0.25% · 3.875%
HK$132,840
−HK$4,072/mo
Today · 4.125%
HK$136,912
baseline
▲ 0.50% · 4.625%
HK$145,242
+HK$8,330/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$273,824/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,325
−HK$7,743/mo
▼ 0.25% · 3.875%
HK$147,169
−HK$3,899/mo
Today · 4.125%
HK$151,068
baseline
▲ 0.50% · 4.625%
HK$159,031
+HK$7,963/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$302,136/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,009 · Scale 2, in force from 26 Feb 2026)