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$71,271
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,488
−HK$2,252/mo
Today · 4.125%
HK$75,740
baseline
▲ 0.50% · 4.625%
HK$80,349
+HK$4,609/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$151,480/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,288
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,415
−HK$2,157/mo
Today · 4.125%
HK$83,572
baseline
▲ 0.50% · 4.625%
HK$87,977
+HK$4,405/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$167,144/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,525
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,186
−HK$2,703/mo
Today · 4.125%
HK$90,889
baseline
▲ 0.50% · 4.625%
HK$96,419
+HK$5,530/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$181,778/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,146
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$97,698
−HK$2,589/mo
Today · 4.125%
HK$100,287
baseline
▲ 0.50% · 4.625%
HK$105,573
+HK$5,286/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$200,574/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,780
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$102,883
−HK$3,154/mo
Today · 4.125%
HK$106,037
baseline
▲ 0.50% · 4.625%
HK$112,489
+HK$6,452/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$212,074/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,004
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$113,981
−HK$3,020/mo
Today · 4.125%
HK$117,001
baseline
▲ 0.50% · 4.625%
HK$123,168
+HK$6,167/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$234,002/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,288
−HK$8,045/mo
▼ 0.25% · 3.875%
HK$132,278
−HK$4,055/mo
Today · 4.125%
HK$136,333
baseline
▲ 0.50% · 4.625%
HK$144,628
+HK$8,295/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$272,666/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,719
−HK$7,711/mo
▼ 0.25% · 3.875%
HK$146,547
−HK$3,883/mo
Today · 4.125%
HK$150,430
baseline
▲ 0.50% · 4.625%
HK$158,359
+HK$7,929/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$300,860/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,370 · Scale 2, in force from 26 Feb 2026)