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$71,135
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,347
−HK$2,248/mo
Today · 4.125%
HK$75,595
baseline
▲ 0.50% · 4.625%
HK$80,195
+HK$4,600/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,190/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,137
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,259
−HK$2,153/mo
Today · 4.125%
HK$83,412
baseline
▲ 0.50% · 4.625%
HK$87,809
+HK$4,397/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,824/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,362
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,017
−HK$2,698/mo
Today · 4.125%
HK$90,715
baseline
▲ 0.50% · 4.625%
HK$96,234
+HK$5,519/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$181,430/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,964
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,511
−HK$2,584/mo
Today · 4.125%
HK$100,095
baseline
▲ 0.50% · 4.625%
HK$105,371
+HK$5,276/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$200,190/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,589
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$102,686
−HK$3,148/mo
Today · 4.125%
HK$105,834
baseline
▲ 0.50% · 4.625%
HK$112,273
+HK$6,439/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$211,668/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,791
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,763
−HK$3,014/mo
Today · 4.125%
HK$116,777
baseline
▲ 0.50% · 4.625%
HK$122,932
+HK$6,155/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$233,554/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,042
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$132,025
−HK$4,047/mo
Today · 4.125%
HK$136,072
baseline
▲ 0.50% · 4.625%
HK$144,351
+HK$8,279/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$272,144/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,325,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,446
−HK$7,696/mo
▼ 0.25% · 3.875%
HK$146,266
−HK$3,876/mo
Today · 4.125%
HK$150,142
baseline
▲ 0.50% · 4.625%
HK$158,056
+HK$7,914/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$300,284/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,325,826 · Scale 2, in force from 26 Feb 2026)