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$71,233
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,449
−HK$2,251/mo
Today · 4.125%
HK$75,700
baseline
▲ 0.50% · 4.625%
HK$80,306
+HK$4,606/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$151,400/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,327,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,246
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,371
−HK$2,156/mo
Today · 4.125%
HK$83,527
baseline
▲ 0.50% · 4.625%
HK$87,930
+HK$4,403/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$167,054/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,327,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,479
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,138
−HK$2,702/mo
Today · 4.125%
HK$90,840
baseline
▲ 0.50% · 4.625%
HK$96,367
+HK$5,527/mo
Deposit HK$12.50M · loan HK$18.74M · min. income ≈ HK$181,680/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,095
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,645
−HK$2,588/mo
Today · 4.125%
HK$100,233
baseline
▲ 0.50% · 4.625%
HK$105,516
+HK$5,283/mo
Deposit HK$12.50M · loan HK$18.74M · min. income ≈ HK$200,466/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,726
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,828
−HK$3,152/mo
Today · 4.125%
HK$105,980
baseline
▲ 0.50% · 4.625%
HK$112,428
+HK$6,448/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$211,960/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,944
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$113,920
−HK$3,018/mo
Today · 4.125%
HK$116,938
baseline
▲ 0.50% · 4.625%
HK$123,102
+HK$6,164/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$233,876/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,219
−HK$8,041/mo
▼ 0.25% · 3.875%
HK$132,208
−HK$4,052/mo
Today · 4.125%
HK$136,260
baseline
▲ 0.50% · 4.625%
HK$144,551
+HK$8,291/mo
Deposit HK$3.12M · loan HK$28.12M · min. income ≈ HK$272,520/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,643
−HK$7,706/mo
▼ 0.25% · 3.875%
HK$146,468
−HK$3,881/mo
Today · 4.125%
HK$150,349
baseline
▲ 0.50% · 4.625%
HK$158,274
+HK$7,925/mo
Deposit HK$3.12M · loan HK$28.12M · min. income ≈ HK$300,698/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,657 · Scale 2, in force from 26 Feb 2026)