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$71,187
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,401
−HK$2,250/mo
Today · 4.125%
HK$75,651
baseline
▲ 0.50% · 4.625%
HK$80,254
+HK$4,603/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$151,302/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,326,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,194
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,318
−HK$2,155/mo
Today · 4.125%
HK$83,473
baseline
▲ 0.50% · 4.625%
HK$87,873
+HK$4,400/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$166,946/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,326,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,424
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$88,081
−HK$2,700/mo
Today · 4.125%
HK$90,781
baseline
▲ 0.50% · 4.625%
HK$96,305
+HK$5,524/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$181,562/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,033
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$97,582
−HK$2,586/mo
Today · 4.125%
HK$100,168
baseline
▲ 0.50% · 4.625%
HK$105,448
+HK$5,280/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$200,336/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,661
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$102,761
−HK$3,150/mo
Today · 4.125%
HK$105,911
baseline
▲ 0.50% · 4.625%
HK$112,355
+HK$6,444/mo
Deposit HK$9.37M · loan HK$21.85M · min. income ≈ HK$211,822/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,872
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$113,846
−HK$3,016/mo
Today · 4.125%
HK$116,862
baseline
▲ 0.50% · 4.625%
HK$123,022
+HK$6,160/mo
Deposit HK$9.37M · loan HK$21.85M · min. income ≈ HK$233,724/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,136
−HK$8,035/mo
▼ 0.25% · 3.875%
HK$132,122
−HK$4,049/mo
Today · 4.125%
HK$136,171
baseline
▲ 0.50% · 4.625%
HK$144,457
+HK$8,286/mo
Deposit HK$3.12M · loan HK$28.10M · min. income ≈ HK$272,342/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,550
−HK$7,701/mo
▼ 0.25% · 3.875%
HK$146,373
−HK$3,878/mo
Today · 4.125%
HK$150,251
baseline
▲ 0.50% · 4.625%
HK$158,171
+HK$7,920/mo
Deposit HK$3.12M · loan HK$28.10M · min. income ≈ HK$300,502/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,795 · Scale 2, in force from 26 Feb 2026)