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$71,719
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,950
−HK$2,266/mo
Today · 4.125%
HK$76,216
baseline
▲ 0.50% · 4.625%
HK$80,854
+HK$4,638/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$152,432/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,786
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,926
−HK$2,171/mo
Today · 4.125%
HK$84,097
baseline
▲ 0.50% · 4.625%
HK$88,530
+HK$4,433/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$168,194/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,062
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,739
−HK$2,720/mo
Today · 4.125%
HK$91,459
baseline
▲ 0.50% · 4.625%
HK$97,024
+HK$5,565/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$182,918/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,744
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,311
−HK$2,605/mo
Today · 4.125%
HK$100,916
baseline
▲ 0.50% · 4.625%
HK$106,236
+HK$5,320/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$201,832/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,406
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$103,529
−HK$3,173/mo
Today · 4.125%
HK$106,702
baseline
▲ 0.50% · 4.625%
HK$113,195
+HK$6,493/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$213,404/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,701
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$114,697
−HK$3,039/mo
Today · 4.125%
HK$117,736
baseline
▲ 0.50% · 4.625%
HK$123,942
+HK$6,206/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$235,472/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,094
−HK$8,095/mo
▼ 0.25% · 3.875%
HK$133,109
−HK$4,080/mo
Today · 4.125%
HK$137,189
baseline
▲ 0.50% · 4.625%
HK$145,537
+HK$8,348/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$274,378/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,615
−HK$7,759/mo
▼ 0.25% · 3.875%
HK$147,467
−HK$3,907/mo
Today · 4.125%
HK$151,374
baseline
▲ 0.50% · 4.625%
HK$159,354
+HK$7,980/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$302,748/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,711 · Scale 2, in force from 26 Feb 2026)