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$71,429
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,650
−HK$2,258/mo
Today · 4.125%
HK$75,908
baseline
▲ 0.50% · 4.625%
HK$80,527
+HK$4,619/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$151,816/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,331,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,464
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,595
−HK$2,162/mo
Today · 4.125%
HK$83,757
baseline
▲ 0.50% · 4.625%
HK$88,172
+HK$4,415/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$167,514/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,331,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,714
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,381
−HK$2,708/mo
Today · 4.125%
HK$91,089
baseline
▲ 0.50% · 4.625%
HK$96,632
+HK$5,543/mo
Deposit HK$12.53M · loan HK$18.79M · min. income ≈ HK$182,178/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,356
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,914
−HK$2,594/mo
Today · 4.125%
HK$100,508
baseline
▲ 0.50% · 4.625%
HK$105,806
+HK$5,298/mo
Deposit HK$12.53M · loan HK$18.79M · min. income ≈ HK$201,016/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,000
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$103,111
−HK$3,160/mo
Today · 4.125%
HK$106,271
baseline
▲ 0.50% · 4.625%
HK$112,737
+HK$6,466/mo
Deposit HK$9.40M · loan HK$21.93M · min. income ≈ HK$212,542/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,249
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$114,233
−HK$3,027/mo
Today · 4.125%
HK$117,260
baseline
▲ 0.50% · 4.625%
HK$123,440
+HK$6,180/mo
Deposit HK$9.40M · loan HK$21.93M · min. income ≈ HK$234,520/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,572
−HK$8,062/mo
▼ 0.25% · 3.875%
HK$132,571
−HK$4,063/mo
Today · 4.125%
HK$136,634
baseline
▲ 0.50% · 4.625%
HK$144,948
+HK$8,314/mo
Deposit HK$3.13M · loan HK$28.19M · min. income ≈ HK$273,268/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,035
−HK$7,727/mo
▼ 0.25% · 3.875%
HK$146,871
−HK$3,891/mo
Today · 4.125%
HK$150,762
baseline
▲ 0.50% · 4.625%
HK$158,709
+HK$7,947/mo
Deposit HK$3.13M · loan HK$28.19M · min. income ≈ HK$301,524/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,306 · Scale 2, in force from 26 Feb 2026)