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$71,571
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,797
−HK$2,262/mo
Today · 4.125%
HK$76,059
baseline
▲ 0.50% · 4.625%
HK$80,687
+HK$4,628/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,118/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,333,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,622
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,757
−HK$2,166/mo
Today · 4.125%
HK$83,923
baseline
▲ 0.50% · 4.625%
HK$88,347
+HK$4,424/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,846/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,333,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,885
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,556
−HK$2,715/mo
Today · 4.125%
HK$91,271
baseline
▲ 0.50% · 4.625%
HK$96,824
+HK$5,553/mo
Deposit HK$12.55M · loan HK$18.83M · min. income ≈ HK$182,542/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,333,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,546
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,109
−HK$2,599/mo
Today · 4.125%
HK$100,708
baseline
▲ 0.50% · 4.625%
HK$106,017
+HK$5,309/mo
Deposit HK$12.55M · loan HK$18.83M · min. income ≈ HK$201,416/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,333,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,199
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,316
−HK$3,166/mo
Today · 4.125%
HK$106,482
baseline
▲ 0.50% · 4.625%
HK$112,962
+HK$6,480/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$212,964/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,470
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$114,460
−HK$3,033/mo
Today · 4.125%
HK$117,493
baseline
▲ 0.50% · 4.625%
HK$123,686
+HK$6,193/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$234,986/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,827
−HK$8,079/mo
▼ 0.25% · 3.875%
HK$132,835
−HK$4,071/mo
Today · 4.125%
HK$136,906
baseline
▲ 0.50% · 4.625%
HK$145,236
+HK$8,330/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$273,812/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,319
−HK$7,743/mo
▼ 0.25% · 3.875%
HK$147,163
−HK$3,899/mo
Today · 4.125%
HK$151,062
baseline
▲ 0.50% · 4.625%
HK$159,025
+HK$7,963/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$302,124/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,955 · Scale 2, in force from 26 Feb 2026)