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$71,810
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,044
−HK$2,269/mo
Today · 4.125%
HK$76,313
baseline
▲ 0.50% · 4.625%
HK$80,957
+HK$4,644/mo
Deposit HK$15.75M · loan HK$15.75M · min. income ≈ HK$152,626/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,338,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,888
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,031
−HK$2,173/mo
Today · 4.125%
HK$84,204
baseline
▲ 0.50% · 4.625%
HK$88,643
+HK$4,439/mo
Deposit HK$15.75M · loan HK$15.75M · min. income ≈ HK$168,408/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,338,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,172
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$88,853
−HK$2,723/mo
Today · 4.125%
HK$91,576
baseline
▲ 0.50% · 4.625%
HK$97,148
+HK$5,572/mo
Deposit HK$12.60M · loan HK$18.90M · min. income ≈ HK$183,152/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,338,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,866
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$98,437
−HK$2,608/mo
Today · 4.125%
HK$101,045
baseline
▲ 0.50% · 4.625%
HK$106,371
+HK$5,326/mo
Deposit HK$12.60M · loan HK$18.90M · min. income ≈ HK$202,090/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,338,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,534
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$103,662
−HK$3,177/mo
Today · 4.125%
HK$106,839
baseline
▲ 0.50% · 4.625%
HK$113,340
+HK$6,501/mo
Deposit HK$9.45M · loan HK$22.04M · min. income ≈ HK$213,678/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,338,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,844
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$114,843
−HK$3,043/mo
Today · 4.125%
HK$117,886
baseline
▲ 0.50% · 4.625%
HK$124,100
+HK$6,214/mo
Deposit HK$9.45M · loan HK$22.04M · min. income ≈ HK$235,772/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,338,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,259
−HK$8,105/mo
▼ 0.25% · 3.875%
HK$133,279
−HK$4,085/mo
Today · 4.125%
HK$137,364
baseline
▲ 0.50% · 4.625%
HK$145,722
+HK$8,358/mo
Deposit HK$3.15M · loan HK$28.34M · min. income ≈ HK$274,728/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,799
−HK$7,769/mo
▼ 0.25% · 3.875%
HK$147,655
−HK$3,913/mo
Today · 4.125%
HK$151,568
baseline
▲ 0.50% · 4.625%
HK$159,557
+HK$7,989/mo
Deposit HK$3.15M · loan HK$28.34M · min. income ≈ HK$303,136/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,419 · Scale 2, in force from 26 Feb 2026)