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$71,364
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,584
−HK$2,256/mo
Today · 4.125%
HK$75,840
baseline
▲ 0.50% · 4.625%
HK$80,454
+HK$4,614/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$151,680/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,392
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,522
−HK$2,160/mo
Today · 4.125%
HK$83,682
baseline
▲ 0.50% · 4.625%
HK$88,093
+HK$4,411/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$167,364/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,637
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,301
−HK$2,707/mo
Today · 4.125%
HK$91,008
baseline
▲ 0.50% · 4.625%
HK$96,545
+HK$5,537/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$182,016/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,271
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,826
−HK$2,592/mo
Today · 4.125%
HK$100,418
baseline
▲ 0.50% · 4.625%
HK$105,711
+HK$5,293/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$200,836/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,910
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$103,018
−HK$3,158/mo
Today · 4.125%
HK$106,176
baseline
▲ 0.50% · 4.625%
HK$112,636
+HK$6,460/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$212,352/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,149
−HK$6,005/mo
▼ 0.25% · 3.875%
HK$114,130
−HK$3,024/mo
Today · 4.125%
HK$117,154
baseline
▲ 0.50% · 4.625%
HK$123,330
+HK$6,176/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$234,308/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,456
−HK$8,055/mo
▼ 0.25% · 3.875%
HK$132,452
−HK$4,059/mo
Today · 4.125%
HK$136,511
baseline
▲ 0.50% · 4.625%
HK$144,818
+HK$8,307/mo
Deposit HK$3.13M · loan HK$28.17M · min. income ≈ HK$273,022/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,906
−HK$7,721/mo
▼ 0.25% · 3.875%
HK$146,739
−HK$3,888/mo
Today · 4.125%
HK$150,627
baseline
▲ 0.50% · 4.625%
HK$158,567
+HK$7,940/mo
Deposit HK$3.13M · loan HK$28.17M · min. income ≈ HK$301,254/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,110 · Scale 2, in force from 26 Feb 2026)