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$71,317
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,536
−HK$2,254/mo
Today · 4.125%
HK$75,790
baseline
▲ 0.50% · 4.625%
HK$80,401
+HK$4,611/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,580/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,340
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,468
−HK$2,158/mo
Today · 4.125%
HK$83,626
baseline
▲ 0.50% · 4.625%
HK$88,034
+HK$4,408/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,252/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,581
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,243
−HK$2,704/mo
Today · 4.125%
HK$90,947
baseline
▲ 0.50% · 4.625%
HK$96,481
+HK$5,534/mo
Deposit HK$12.51M · loan HK$18.77M · min. income ≈ HK$181,894/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,208
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$97,761
−HK$2,591/mo
Today · 4.125%
HK$100,352
baseline
▲ 0.50% · 4.625%
HK$105,641
+HK$5,289/mo
Deposit HK$12.51M · loan HK$18.77M · min. income ≈ HK$200,704/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,844
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$102,950
−HK$3,155/mo
Today · 4.125%
HK$106,105
baseline
▲ 0.50% · 4.625%
HK$112,562
+HK$6,457/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$212,210/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,329,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,076
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$114,055
−HK$3,022/mo
Today · 4.125%
HK$117,077
baseline
▲ 0.50% · 4.625%
HK$123,248
+HK$6,171/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$234,154/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,329,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,371
−HK$8,050/mo
▼ 0.25% · 3.875%
HK$132,364
−HK$4,057/mo
Today · 4.125%
HK$136,421
baseline
▲ 0.50% · 4.625%
HK$144,722
+HK$8,301/mo
Deposit HK$3.13M · loan HK$28.15M · min. income ≈ HK$272,842/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,812
−HK$7,715/mo
▼ 0.25% · 3.875%
HK$146,642
−HK$3,885/mo
Today · 4.125%
HK$150,527
baseline
▲ 0.50% · 4.625%
HK$158,462
+HK$7,935/mo
Deposit HK$3.13M · loan HK$28.15M · min. income ≈ HK$301,054/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,231 · Scale 2, in force from 26 Feb 2026)