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$71,568
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,794
−HK$2,262/mo
Today · 4.125%
HK$76,056
baseline
▲ 0.50% · 4.625%
HK$80,683
+HK$4,627/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,112/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,333,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,618
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,754
−HK$2,166/mo
Today · 4.125%
HK$83,920
baseline
▲ 0.50% · 4.625%
HK$88,343
+HK$4,423/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,840/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,333,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,881
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,553
−HK$2,714/mo
Today · 4.125%
HK$91,267
baseline
▲ 0.50% · 4.625%
HK$96,820
+HK$5,553/mo
Deposit HK$12.55M · loan HK$18.83M · min. income ≈ HK$182,534/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,333,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,542
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,104
−HK$2,600/mo
Today · 4.125%
HK$100,704
baseline
▲ 0.50% · 4.625%
HK$106,012
+HK$5,308/mo
Deposit HK$12.55M · loan HK$18.83M · min. income ≈ HK$201,408/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,333,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,195
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,311
−HK$3,167/mo
Today · 4.125%
HK$106,478
baseline
▲ 0.50% · 4.625%
HK$112,957
+HK$6,479/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$212,956/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,466
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,455
−HK$3,033/mo
Today · 4.125%
HK$117,488
baseline
▲ 0.50% · 4.625%
HK$123,681
+HK$6,193/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$234,976/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,822
−HK$8,078/mo
▼ 0.25% · 3.875%
HK$132,829
−HK$4,071/mo
Today · 4.125%
HK$136,900
baseline
▲ 0.50% · 4.625%
HK$145,230
+HK$8,330/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$273,800/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,313
−HK$7,743/mo
▼ 0.25% · 3.875%
HK$147,157
−HK$3,899/mo
Today · 4.125%
HK$151,056
baseline
▲ 0.50% · 4.625%
HK$159,018
+HK$7,962/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$302,112/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,898 · Scale 2, in force from 26 Feb 2026)