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$71,178
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,392
−HK$2,250/mo
Today · 4.125%
HK$75,642
baseline
▲ 0.50% · 4.625%
HK$80,245
+HK$4,603/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$151,284/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,185
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,309
−HK$2,154/mo
Today · 4.125%
HK$83,463
baseline
▲ 0.50% · 4.625%
HK$87,863
+HK$4,400/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$166,926/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,414
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$88,071
−HK$2,699/mo
Today · 4.125%
HK$90,770
baseline
▲ 0.50% · 4.625%
HK$96,293
+HK$5,523/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$181,540/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,022
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,571
−HK$2,585/mo
Today · 4.125%
HK$100,156
baseline
▲ 0.50% · 4.625%
HK$105,435
+HK$5,279/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$200,312/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,650
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$102,749
−HK$3,150/mo
Today · 4.125%
HK$105,899
baseline
▲ 0.50% · 4.625%
HK$112,342
+HK$6,443/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$211,798/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,859
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$113,833
−HK$3,016/mo
Today · 4.125%
HK$116,849
baseline
▲ 0.50% · 4.625%
HK$123,008
+HK$6,159/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$233,698/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,121
−HK$8,034/mo
▼ 0.25% · 3.875%
HK$132,106
−HK$4,049/mo
Today · 4.125%
HK$136,155
baseline
▲ 0.50% · 4.625%
HK$144,440
+HK$8,285/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$272,310/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,534
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$146,356
−HK$3,878/mo
Today · 4.125%
HK$150,234
baseline
▲ 0.50% · 4.625%
HK$158,153
+HK$7,919/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$300,468/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,642 · Scale 2, in force from 26 Feb 2026)