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$71,289
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,507
−HK$2,253/mo
Today · 4.125%
HK$75,760
baseline
▲ 0.50% · 4.625%
HK$80,369
+HK$4,609/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$151,520/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,308
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,435
−HK$2,158/mo
Today · 4.125%
HK$83,593
baseline
▲ 0.50% · 4.625%
HK$87,999
+HK$4,406/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$167,186/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,547
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,208
−HK$2,703/mo
Today · 4.125%
HK$90,911
baseline
▲ 0.50% · 4.625%
HK$96,443
+HK$5,532/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$181,822/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,170
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,722
−HK$2,590/mo
Today · 4.125%
HK$100,312
baseline
▲ 0.50% · 4.625%
HK$105,599
+HK$5,287/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$200,624/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,805
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$102,909
−HK$3,154/mo
Today · 4.125%
HK$106,063
baseline
▲ 0.50% · 4.625%
HK$112,517
+HK$6,454/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$212,126/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,032
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$114,010
−HK$3,020/mo
Today · 4.125%
HK$117,030
baseline
▲ 0.50% · 4.625%
HK$123,199
+HK$6,169/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$234,060/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,320
−HK$8,047/mo
▼ 0.25% · 3.875%
HK$132,312
−HK$4,055/mo
Today · 4.125%
HK$136,367
baseline
▲ 0.50% · 4.625%
HK$144,665
+HK$8,298/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$272,734/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,328,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,755
−HK$7,713/mo
▼ 0.25% · 3.875%
HK$146,584
−HK$3,884/mo
Today · 4.125%
HK$150,468
baseline
▲ 0.50% · 4.625%
HK$158,399
+HK$7,931/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$300,936/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,328,705 · Scale 2, in force from 26 Feb 2026)