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$71,694
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,924
−HK$2,266/mo
Today · 4.125%
HK$76,190
baseline
▲ 0.50% · 4.625%
HK$80,826
+HK$4,636/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$152,380/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,759
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,898
−HK$2,170/mo
Today · 4.125%
HK$84,068
baseline
▲ 0.50% · 4.625%
HK$88,500
+HK$4,432/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$168,136/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,033
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,709
−HK$2,719/mo
Today · 4.125%
HK$91,428
baseline
▲ 0.50% · 4.625%
HK$96,991
+HK$5,563/mo
Deposit HK$12.58M · loan HK$18.86M · min. income ≈ HK$182,856/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,336,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,711
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,278
−HK$2,604/mo
Today · 4.125%
HK$100,882
baseline
▲ 0.50% · 4.625%
HK$106,200
+HK$5,318/mo
Deposit HK$12.58M · loan HK$18.86M · min. income ≈ HK$201,764/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,336,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,372
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$103,494
−HK$3,172/mo
Today · 4.125%
HK$106,666
baseline
▲ 0.50% · 4.625%
HK$113,157
+HK$6,491/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$213,332/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,663
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$114,658
−HK$3,038/mo
Today · 4.125%
HK$117,696
baseline
▲ 0.50% · 4.625%
HK$123,900
+HK$6,204/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$235,392/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,050
−HK$8,092/mo
▼ 0.25% · 3.875%
HK$133,064
−HK$4,078/mo
Today · 4.125%
HK$137,142
baseline
▲ 0.50% · 4.625%
HK$145,487
+HK$8,345/mo
Deposit HK$3.14M · loan HK$28.30M · min. income ≈ HK$274,284/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,567
−HK$7,756/mo
▼ 0.25% · 3.875%
HK$147,417
−HK$3,906/mo
Today · 4.125%
HK$151,323
baseline
▲ 0.50% · 4.625%
HK$159,300
+HK$7,977/mo
Deposit HK$3.14M · loan HK$28.30M · min. income ≈ HK$302,646/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,258 · Scale 2, in force from 26 Feb 2026)