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$71,344
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,563
−HK$2,255/mo
Today · 4.125%
HK$75,818
baseline
▲ 0.50% · 4.625%
HK$80,431
+HK$4,613/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,636/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,369
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,498
−HK$2,159/mo
Today · 4.125%
HK$83,657
baseline
▲ 0.50% · 4.625%
HK$88,067
+HK$4,410/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,314/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,613
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$88,276
−HK$2,705/mo
Today · 4.125%
HK$90,981
baseline
▲ 0.50% · 4.625%
HK$96,517
+HK$5,536/mo
Deposit HK$12.52M · loan HK$18.77M · min. income ≈ HK$181,962/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,243
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$97,798
−HK$2,591/mo
Today · 4.125%
HK$100,389
baseline
▲ 0.50% · 4.625%
HK$105,680
+HK$5,291/mo
Deposit HK$12.52M · loan HK$18.77M · min. income ≈ HK$200,778/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,881
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$102,988
−HK$3,157/mo
Today · 4.125%
HK$106,145
baseline
▲ 0.50% · 4.625%
HK$112,603
+HK$6,458/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$212,290/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,117
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,097
−HK$3,023/mo
Today · 4.125%
HK$117,120
baseline
▲ 0.50% · 4.625%
HK$123,294
+HK$6,174/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$234,240/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,419
−HK$8,053/mo
▼ 0.25% · 3.875%
HK$132,413
−HK$4,059/mo
Today · 4.125%
HK$136,472
baseline
▲ 0.50% · 4.625%
HK$144,776
+HK$8,304/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$272,944/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,865
−HK$7,718/mo
▼ 0.25% · 3.875%
HK$146,696
−HK$3,887/mo
Today · 4.125%
HK$150,583
baseline
▲ 0.50% · 4.625%
HK$158,521
+HK$7,938/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$301,166/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,725 · Scale 2, in force from 26 Feb 2026)