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$71,214
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,430
−HK$2,250/mo
Today · 4.125%
HK$75,680
baseline
▲ 0.50% · 4.625%
HK$80,285
+HK$4,605/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$151,360/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,225
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,350
−HK$2,156/mo
Today · 4.125%
HK$83,506
baseline
▲ 0.50% · 4.625%
HK$87,907
+HK$4,401/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$167,012/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,457
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$88,116
−HK$2,700/mo
Today · 4.125%
HK$90,816
baseline
▲ 0.50% · 4.625%
HK$96,342
+HK$5,526/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$181,632/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,070
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,620
−HK$2,587/mo
Today · 4.125%
HK$100,207
baseline
▲ 0.50% · 4.625%
HK$105,489
+HK$5,282/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$200,414/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,700
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$102,801
−HK$3,151/mo
Today · 4.125%
HK$105,952
baseline
▲ 0.50% · 4.625%
HK$112,399
+HK$6,447/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$211,904/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,916
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$113,890
−HK$3,018/mo
Today · 4.125%
HK$116,908
baseline
▲ 0.50% · 4.625%
HK$123,070
+HK$6,162/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$233,816/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,186
−HK$8,038/mo
▼ 0.25% · 3.875%
HK$132,173
−HK$4,051/mo
Today · 4.125%
HK$136,224
baseline
▲ 0.50% · 4.625%
HK$144,513
+HK$8,289/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$272,448/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,606
−HK$7,704/mo
▼ 0.25% · 3.875%
HK$146,430
−HK$3,880/mo
Today · 4.125%
HK$150,310
baseline
▲ 0.50% · 4.625%
HK$158,233
+HK$7,923/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$300,620/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,314 · Scale 2, in force from 26 Feb 2026)