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$71,622
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,850
−HK$2,264/mo
Today · 4.125%
HK$76,114
baseline
▲ 0.50% · 4.625%
HK$80,745
+HK$4,631/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$152,228/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,679
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,816
−HK$2,168/mo
Today · 4.125%
HK$83,984
baseline
▲ 0.50% · 4.625%
HK$88,411
+HK$4,427/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$167,968/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,947
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,620
−HK$2,716/mo
Today · 4.125%
HK$91,336
baseline
▲ 0.50% · 4.625%
HK$96,894
+HK$5,558/mo
Deposit HK$12.56M · loan HK$18.85M · min. income ≈ HK$182,672/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,615
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,179
−HK$2,602/mo
Today · 4.125%
HK$100,781
baseline
▲ 0.50% · 4.625%
HK$106,093
+HK$5,312/mo
Deposit HK$12.56M · loan HK$18.85M · min. income ≈ HK$201,562/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,271
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$103,390
−HK$3,169/mo
Today · 4.125%
HK$106,559
baseline
▲ 0.50% · 4.625%
HK$113,043
+HK$6,484/mo
Deposit HK$9.42M · loan HK$21.99M · min. income ≈ HK$213,118/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,551
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$114,542
−HK$3,036/mo
Today · 4.125%
HK$117,578
baseline
▲ 0.50% · 4.625%
HK$123,775
+HK$6,197/mo
Deposit HK$9.42M · loan HK$21.99M · min. income ≈ HK$235,156/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,920
−HK$8,085/mo
▼ 0.25% · 3.875%
HK$132,930
−HK$4,075/mo
Today · 4.125%
HK$137,005
baseline
▲ 0.50% · 4.625%
HK$145,341
+HK$8,336/mo
Deposit HK$3.14M · loan HK$28.27M · min. income ≈ HK$274,010/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,334,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,422
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$147,269
−HK$3,902/mo
Today · 4.125%
HK$151,171
baseline
▲ 0.50% · 4.625%
HK$159,140
+HK$7,969/mo
Deposit HK$3.14M · loan HK$28.27M · min. income ≈ HK$302,342/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,334,916 · Scale 2, in force from 26 Feb 2026)