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$71,589
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,815
−HK$2,263/mo
Today · 4.125%
HK$76,078
baseline
▲ 0.50% · 4.625%
HK$80,707
+HK$4,629/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$152,156/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,642
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,777
−HK$2,167/mo
Today · 4.125%
HK$83,944
baseline
▲ 0.50% · 4.625%
HK$88,369
+HK$4,425/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$167,888/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,906
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$88,578
−HK$2,715/mo
Today · 4.125%
HK$91,293
baseline
▲ 0.50% · 4.625%
HK$96,848
+HK$5,555/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$182,586/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,570
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,133
−HK$2,600/mo
Today · 4.125%
HK$100,733
baseline
▲ 0.50% · 4.625%
HK$106,043
+HK$5,310/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$201,466/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,224
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$103,341
−HK$3,168/mo
Today · 4.125%
HK$106,509
baseline
▲ 0.50% · 4.625%
HK$112,990
+HK$6,481/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$213,018/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,498
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$114,488
−HK$3,034/mo
Today · 4.125%
HK$117,522
baseline
▲ 0.50% · 4.625%
HK$123,717
+HK$6,195/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$235,044/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,859
−HK$8,081/mo
▼ 0.25% · 3.875%
HK$132,868
−HK$4,072/mo
Today · 4.125%
HK$136,940
baseline
▲ 0.50% · 4.625%
HK$145,272
+HK$8,332/mo
Deposit HK$3.14M · loan HK$28.26M · min. income ≈ HK$273,880/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,355
−HK$7,745/mo
▼ 0.25% · 3.875%
HK$147,199
−HK$3,901/mo
Today · 4.125%
HK$151,100
baseline
▲ 0.50% · 4.625%
HK$159,064
+HK$7,964/mo
Deposit HK$3.14M · loan HK$28.26M · min. income ≈ HK$302,200/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,286 · Scale 2, in force from 26 Feb 2026)