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$71,611
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,838
−HK$2,264/mo
Today · 4.125%
HK$76,102
baseline
▲ 0.50% · 4.625%
HK$80,732
+HK$4,630/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$152,204/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,666
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,803
−HK$2,168/mo
Today · 4.125%
HK$83,971
baseline
▲ 0.50% · 4.625%
HK$88,397
+HK$4,426/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$167,942/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,933
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,606
−HK$2,716/mo
Today · 4.125%
HK$91,322
baseline
▲ 0.50% · 4.625%
HK$96,879
+HK$5,557/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$182,644/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,600
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,164
−HK$2,601/mo
Today · 4.125%
HK$100,765
baseline
▲ 0.50% · 4.625%
HK$106,076
+HK$5,311/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$201,530/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,255
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$103,374
−HK$3,168/mo
Today · 4.125%
HK$106,542
baseline
▲ 0.50% · 4.625%
HK$113,025
+HK$6,483/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$213,084/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,533
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$114,524
−HK$3,035/mo
Today · 4.125%
HK$117,559
baseline
▲ 0.50% · 4.625%
HK$123,755
+HK$6,196/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$235,118/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,900
−HK$8,083/mo
▼ 0.25% · 3.875%
HK$132,909
−HK$4,074/mo
Today · 4.125%
HK$136,983
baseline
▲ 0.50% · 4.625%
HK$145,318
+HK$8,335/mo
Deposit HK$3.14M · loan HK$28.26M · min. income ≈ HK$273,966/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,334,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,400
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$147,245
−HK$3,902/mo
Today · 4.125%
HK$151,147
baseline
▲ 0.50% · 4.625%
HK$159,114
+HK$7,967/mo
Deposit HK$3.14M · loan HK$28.26M · min. income ≈ HK$302,294/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,334,703 · Scale 2, in force from 26 Feb 2026)