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$71,342
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,562
−HK$2,254/mo
Today · 4.125%
HK$75,816
baseline
▲ 0.50% · 4.625%
HK$80,429
+HK$4,613/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,632/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,368
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,496
−HK$2,160/mo
Today · 4.125%
HK$83,656
baseline
▲ 0.50% · 4.625%
HK$88,065
+HK$4,409/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,312/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,611
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$88,274
−HK$2,705/mo
Today · 4.125%
HK$90,979
baseline
▲ 0.50% · 4.625%
HK$96,515
+HK$5,536/mo
Deposit HK$12.51M · loan HK$18.77M · min. income ≈ HK$181,958/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,241
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$97,796
−HK$2,591/mo
Today · 4.125%
HK$100,387
baseline
▲ 0.50% · 4.625%
HK$105,678
+HK$5,291/mo
Deposit HK$12.51M · loan HK$18.77M · min. income ≈ HK$200,774/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,879
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$102,986
−HK$3,157/mo
Today · 4.125%
HK$106,143
baseline
▲ 0.50% · 4.625%
HK$112,601
+HK$6,458/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$212,286/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,115
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,095
−HK$3,023/mo
Today · 4.125%
HK$117,118
baseline
▲ 0.50% · 4.625%
HK$123,291
+HK$6,173/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$234,236/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,416
−HK$8,053/mo
▼ 0.25% · 3.875%
HK$132,411
−HK$4,058/mo
Today · 4.125%
HK$136,469
baseline
▲ 0.50% · 4.625%
HK$144,773
+HK$8,304/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$272,938/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,862
−HK$7,718/mo
▼ 0.25% · 3.875%
HK$146,693
−HK$3,887/mo
Today · 4.125%
HK$150,580
baseline
▲ 0.50% · 4.625%
HK$158,518
+HK$7,938/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$301,160/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,699 · Scale 2, in force from 26 Feb 2026)