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$71,229
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,445
−HK$2,251/mo
Today · 4.125%
HK$75,696
baseline
▲ 0.50% · 4.625%
HK$80,302
+HK$4,606/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$151,392/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,327,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,242
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,367
−HK$2,156/mo
Today · 4.125%
HK$83,523
baseline
▲ 0.50% · 4.625%
HK$87,926
+HK$4,403/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$167,046/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,327,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,475
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$88,134
−HK$2,701/mo
Today · 4.125%
HK$90,835
baseline
▲ 0.50% · 4.625%
HK$96,362
+HK$5,527/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$181,670/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,090
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,640
−HK$2,588/mo
Today · 4.125%
HK$100,228
baseline
▲ 0.50% · 4.625%
HK$105,511
+HK$5,283/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$200,456/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,721
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,823
−HK$3,151/mo
Today · 4.125%
HK$105,974
baseline
▲ 0.50% · 4.625%
HK$112,423
+HK$6,449/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$211,948/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,938
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$113,914
−HK$3,018/mo
Today · 4.125%
HK$116,932
baseline
▲ 0.50% · 4.625%
HK$123,096
+HK$6,164/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$233,864/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,213
−HK$8,040/mo
▼ 0.25% · 3.875%
HK$132,201
−HK$4,052/mo
Today · 4.125%
HK$136,253
baseline
▲ 0.50% · 4.625%
HK$144,543
+HK$8,290/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$272,506/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,635
−HK$7,706/mo
▼ 0.25% · 3.875%
HK$146,461
−HK$3,880/mo
Today · 4.125%
HK$150,341
baseline
▲ 0.50% · 4.625%
HK$158,266
+HK$7,925/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$300,682/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,588 · Scale 2, in force from 26 Feb 2026)