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$71,235
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,451
−HK$2,251/mo
Today · 4.125%
HK$75,702
baseline
▲ 0.50% · 4.625%
HK$80,308
+HK$4,606/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$151,404/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,327,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,248
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,373
−HK$2,156/mo
Today · 4.125%
HK$83,529
baseline
▲ 0.50% · 4.625%
HK$87,932
+HK$4,403/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$167,058/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,327,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,482
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$88,141
−HK$2,701/mo
Today · 4.125%
HK$90,842
baseline
▲ 0.50% · 4.625%
HK$96,370
+HK$5,528/mo
Deposit HK$12.50M · loan HK$18.74M · min. income ≈ HK$181,684/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,098
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,648
−HK$2,587/mo
Today · 4.125%
HK$100,235
baseline
▲ 0.50% · 4.625%
HK$105,519
+HK$5,284/mo
Deposit HK$12.50M · loan HK$18.74M · min. income ≈ HK$200,470/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,729
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,831
−HK$3,151/mo
Today · 4.125%
HK$105,982
baseline
▲ 0.50% · 4.625%
HK$112,431
+HK$6,449/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$211,964/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,947
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$113,923
−HK$3,018/mo
Today · 4.125%
HK$116,941
baseline
▲ 0.50% · 4.625%
HK$123,105
+HK$6,164/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$233,882/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,223
−HK$8,040/mo
▼ 0.25% · 3.875%
HK$132,211
−HK$4,052/mo
Today · 4.125%
HK$136,263
baseline
▲ 0.50% · 4.625%
HK$144,555
+HK$8,292/mo
Deposit HK$3.12M · loan HK$28.12M · min. income ≈ HK$272,526/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,646
−HK$7,707/mo
▼ 0.25% · 3.875%
HK$146,472
−HK$3,881/mo
Today · 4.125%
HK$150,353
baseline
▲ 0.50% · 4.625%
HK$158,278
+HK$7,925/mo
Deposit HK$3.12M · loan HK$28.12M · min. income ≈ HK$300,706/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,692 · Scale 2, in force from 26 Feb 2026)