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$71,454
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,677
−HK$2,258/mo
Today · 4.125%
HK$75,935
baseline
▲ 0.50% · 4.625%
HK$80,556
+HK$4,621/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$151,870/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,492
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,624
−HK$2,163/mo
Today · 4.125%
HK$83,787
baseline
▲ 0.50% · 4.625%
HK$88,204
+HK$4,417/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$167,574/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,331,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,745
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$88,412
−HK$2,710/mo
Today · 4.125%
HK$91,122
baseline
▲ 0.50% · 4.625%
HK$96,667
+HK$5,545/mo
Deposit HK$12.53M · loan HK$18.80M · min. income ≈ HK$182,244/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,331,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,391
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$97,949
−HK$2,595/mo
Today · 4.125%
HK$100,544
baseline
▲ 0.50% · 4.625%
HK$105,844
+HK$5,300/mo
Deposit HK$12.53M · loan HK$18.80M · min. income ≈ HK$201,088/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,331,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,036
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$103,148
−HK$3,161/mo
Today · 4.125%
HK$106,309
baseline
▲ 0.50% · 4.625%
HK$112,778
+HK$6,469/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$212,618/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,289
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$114,274
−HK$3,028/mo
Today · 4.125%
HK$117,302
baseline
▲ 0.50% · 4.625%
HK$123,485
+HK$6,183/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$234,604/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,618
−HK$8,065/mo
▼ 0.25% · 3.875%
HK$132,619
−HK$4,064/mo
Today · 4.125%
HK$136,683
baseline
▲ 0.50% · 4.625%
HK$145,000
+HK$8,317/mo
Deposit HK$3.13M · loan HK$28.20M · min. income ≈ HK$273,366/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,331,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,086
−HK$7,731/mo
▼ 0.25% · 3.875%
HK$146,924
−HK$3,893/mo
Today · 4.125%
HK$150,817
baseline
▲ 0.50% · 4.625%
HK$158,766
+HK$7,949/mo
Deposit HK$3.13M · loan HK$28.20M · min. income ≈ HK$301,634/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,331,786 · Scale 2, in force from 26 Feb 2026)