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$71,369
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,589
−HK$2,255/mo
Today · 4.125%
HK$75,844
baseline
▲ 0.50% · 4.625%
HK$80,459
+HK$4,615/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$151,688/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,397
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,527
−HK$2,160/mo
Today · 4.125%
HK$83,687
baseline
▲ 0.50% · 4.625%
HK$88,098
+HK$4,411/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$167,374/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,643
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,307
−HK$2,706/mo
Today · 4.125%
HK$91,013
baseline
▲ 0.50% · 4.625%
HK$96,551
+HK$5,538/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$182,026/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,277
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,832
−HK$2,592/mo
Today · 4.125%
HK$100,424
baseline
▲ 0.50% · 4.625%
HK$105,718
+HK$5,294/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$200,848/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,917
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,025
−HK$3,157/mo
Today · 4.125%
HK$106,182
baseline
▲ 0.50% · 4.625%
HK$112,643
+HK$6,461/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$212,364/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,156
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$114,137
−HK$3,025/mo
Today · 4.125%
HK$117,162
baseline
▲ 0.50% · 4.625%
HK$123,337
+HK$6,175/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$234,324/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,464
−HK$8,056/mo
▼ 0.25% · 3.875%
HK$132,460
−HK$4,060/mo
Today · 4.125%
HK$136,520
baseline
▲ 0.50% · 4.625%
HK$144,827
+HK$8,307/mo
Deposit HK$3.13M · loan HK$28.17M · min. income ≈ HK$273,040/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,915
−HK$7,721/mo
▼ 0.25% · 3.875%
HK$146,748
−HK$3,888/mo
Today · 4.125%
HK$150,636
baseline
▲ 0.50% · 4.625%
HK$158,577
+HK$7,941/mo
Deposit HK$3.13M · loan HK$28.17M · min. income ≈ HK$301,272/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,194 · Scale 2, in force from 26 Feb 2026)