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$71,374
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,595
−HK$2,255/mo
Today · 4.125%
HK$75,850
baseline
▲ 0.50% · 4.625%
HK$80,466
+HK$4,616/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$151,700/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,403
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,533
−HK$2,160/mo
Today · 4.125%
HK$83,693
baseline
▲ 0.50% · 4.625%
HK$88,105
+HK$4,412/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$167,386/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,649
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,314
−HK$2,706/mo
Today · 4.125%
HK$91,020
baseline
▲ 0.50% · 4.625%
HK$96,559
+HK$5,539/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$182,040/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,284
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,840
−HK$2,592/mo
Today · 4.125%
HK$100,432
baseline
▲ 0.50% · 4.625%
HK$105,726
+HK$5,294/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$200,864/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,924
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$103,033
−HK$3,157/mo
Today · 4.125%
HK$106,190
baseline
▲ 0.50% · 4.625%
HK$112,652
+HK$6,462/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$212,380/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,165
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$114,146
−HK$3,025/mo
Today · 4.125%
HK$117,171
baseline
▲ 0.50% · 4.625%
HK$123,347
+HK$6,176/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$234,342/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,474
−HK$8,057/mo
▼ 0.25% · 3.875%
HK$132,470
−HK$4,061/mo
Today · 4.125%
HK$136,531
baseline
▲ 0.50% · 4.625%
HK$144,838
+HK$8,307/mo
Deposit HK$3.13M · loan HK$28.17M · min. income ≈ HK$273,062/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,926
−HK$7,722/mo
▼ 0.25% · 3.875%
HK$146,759
−HK$3,889/mo
Today · 4.125%
HK$150,648
baseline
▲ 0.50% · 4.625%
HK$158,589
+HK$7,941/mo
Deposit HK$3.13M · loan HK$28.17M · min. income ≈ HK$301,296/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,297 · Scale 2, in force from 26 Feb 2026)