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$71,388
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,609
−HK$2,256/mo
Today · 4.125%
HK$75,865
baseline
▲ 0.50% · 4.625%
HK$80,481
+HK$4,616/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$151,730/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,419
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,549
−HK$2,160/mo
Today · 4.125%
HK$83,709
baseline
▲ 0.50% · 4.625%
HK$88,122
+HK$4,413/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$167,418/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,666
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$88,330
−HK$2,708/mo
Today · 4.125%
HK$91,038
baseline
▲ 0.50% · 4.625%
HK$96,577
+HK$5,539/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$182,076/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,302
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,858
−HK$2,593/mo
Today · 4.125%
HK$100,451
baseline
▲ 0.50% · 4.625%
HK$105,746
+HK$5,295/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$200,902/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,943
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$103,052
−HK$3,159/mo
Today · 4.125%
HK$106,211
baseline
▲ 0.50% · 4.625%
HK$112,673
+HK$6,462/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$212,422/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,186
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$114,168
−HK$3,025/mo
Today · 4.125%
HK$117,193
baseline
▲ 0.50% · 4.625%
HK$123,370
+HK$6,177/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$234,386/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,499
−HK$8,058/mo
▼ 0.25% · 3.875%
HK$132,496
−HK$4,061/mo
Today · 4.125%
HK$136,557
baseline
▲ 0.50% · 4.625%
HK$144,866
+HK$8,309/mo
Deposit HK$3.13M · loan HK$28.18M · min. income ≈ HK$273,114/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,953
−HK$7,724/mo
▼ 0.25% · 3.875%
HK$146,787
−HK$3,890/mo
Today · 4.125%
HK$150,677
baseline
▲ 0.50% · 4.625%
HK$158,619
+HK$7,942/mo
Deposit HK$3.13M · loan HK$28.18M · min. income ≈ HK$301,354/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,550 · Scale 2, in force from 26 Feb 2026)