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$71,269
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,486
−HK$2,252/mo
Today · 4.125%
HK$75,738
baseline
▲ 0.50% · 4.625%
HK$80,347
+HK$4,609/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$151,476/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,286
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,413
−HK$2,157/mo
Today · 4.125%
HK$83,570
baseline
▲ 0.50% · 4.625%
HK$87,975
+HK$4,405/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$167,140/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,523
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,183
−HK$2,703/mo
Today · 4.125%
HK$90,886
baseline
▲ 0.50% · 4.625%
HK$96,416
+HK$5,530/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$181,772/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,144
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,695
−HK$2,589/mo
Today · 4.125%
HK$100,284
baseline
▲ 0.50% · 4.625%
HK$105,570
+HK$5,286/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$200,568/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,777
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$102,881
−HK$3,153/mo
Today · 4.125%
HK$106,034
baseline
▲ 0.50% · 4.625%
HK$112,486
+HK$6,452/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$212,068/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,328,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,001
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$113,978
−HK$3,020/mo
Today · 4.125%
HK$116,998
baseline
▲ 0.50% · 4.625%
HK$123,165
+HK$6,167/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$233,996/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,328,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,285
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$132,275
−HK$4,054/mo
Today · 4.125%
HK$136,329
baseline
▲ 0.50% · 4.625%
HK$144,624
+HK$8,295/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$272,658/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,715
−HK$7,711/mo
▼ 0.25% · 3.875%
HK$146,543
−HK$3,883/mo
Today · 4.125%
HK$150,426
baseline
▲ 0.50% · 4.625%
HK$158,355
+HK$7,929/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$300,852/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,334 · Scale 2, in force from 26 Feb 2026)