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$71,579
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,806
−HK$2,262/mo
Today · 4.125%
HK$76,068
baseline
▲ 0.50% · 4.625%
HK$80,696
+HK$4,628/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$152,136/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,631
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,767
−HK$2,166/mo
Today · 4.125%
HK$83,933
baseline
▲ 0.50% · 4.625%
HK$88,358
+HK$4,425/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$167,866/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,895
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,567
−HK$2,714/mo
Today · 4.125%
HK$91,281
baseline
▲ 0.50% · 4.625%
HK$96,836
+HK$5,555/mo
Deposit HK$12.56M · loan HK$18.83M · min. income ≈ HK$182,562/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,557
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,120
−HK$2,600/mo
Today · 4.125%
HK$100,720
baseline
▲ 0.50% · 4.625%
HK$106,029
+HK$5,309/mo
Deposit HK$12.56M · loan HK$18.83M · min. income ≈ HK$201,440/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,211
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$103,328
−HK$3,167/mo
Today · 4.125%
HK$106,495
baseline
▲ 0.50% · 4.625%
HK$112,975
+HK$6,480/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$212,990/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,483
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$114,473
−HK$3,034/mo
Today · 4.125%
HK$117,507
baseline
▲ 0.50% · 4.625%
HK$123,701
+HK$6,194/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$235,014/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,842
−HK$8,080/mo
▼ 0.25% · 3.875%
HK$132,850
−HK$4,072/mo
Today · 4.125%
HK$136,922
baseline
▲ 0.50% · 4.625%
HK$145,253
+HK$8,331/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$273,844/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,336
−HK$7,744/mo
▼ 0.25% · 3.875%
HK$147,180
−HK$3,900/mo
Today · 4.125%
HK$151,080
baseline
▲ 0.50% · 4.625%
HK$159,044
+HK$7,964/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$302,160/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,110 · Scale 2, in force from 26 Feb 2026)