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$71,583
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,809
−HK$2,263/mo
Today · 4.125%
HK$76,072
baseline
▲ 0.50% · 4.625%
HK$80,700
+HK$4,628/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$152,144/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,635
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,771
−HK$2,167/mo
Today · 4.125%
HK$83,938
baseline
▲ 0.50% · 4.625%
HK$88,362
+HK$4,424/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$167,876/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,899
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$88,571
−HK$2,715/mo
Today · 4.125%
HK$91,286
baseline
▲ 0.50% · 4.625%
HK$96,840
+HK$5,554/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$182,572/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,562
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,125
−HK$2,600/mo
Today · 4.125%
HK$100,725
baseline
▲ 0.50% · 4.625%
HK$106,034
+HK$5,309/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$201,450/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,216
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$103,333
−HK$3,167/mo
Today · 4.125%
HK$106,500
baseline
▲ 0.50% · 4.625%
HK$112,981
+HK$6,481/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$213,000/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,489
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$114,479
−HK$3,034/mo
Today · 4.125%
HK$117,513
baseline
▲ 0.50% · 4.625%
HK$123,707
+HK$6,194/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$235,026/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,849
−HK$8,080/mo
▼ 0.25% · 3.875%
HK$132,857
−HK$4,072/mo
Today · 4.125%
HK$136,929
baseline
▲ 0.50% · 4.625%
HK$145,261
+HK$8,332/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$273,858/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,343
−HK$7,745/mo
▼ 0.25% · 3.875%
HK$147,188
−HK$3,900/mo
Today · 4.125%
HK$151,088
baseline
▲ 0.50% · 4.625%
HK$159,052
+HK$7,964/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$302,176/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,178 · Scale 2, in force from 26 Feb 2026)