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$71,539
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,765
−HK$2,261/mo
Today · 4.125%
HK$76,026
baseline
▲ 0.50% · 4.625%
HK$80,652
+HK$4,626/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,052/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,587
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,721
−HK$2,166/mo
Today · 4.125%
HK$83,887
baseline
▲ 0.50% · 4.625%
HK$88,309
+HK$4,422/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,774/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,847
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$88,518
−HK$2,713/mo
Today · 4.125%
HK$91,231
baseline
▲ 0.50% · 4.625%
HK$96,782
+HK$5,551/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$182,462/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,504
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$98,066
−HK$2,598/mo
Today · 4.125%
HK$100,664
baseline
▲ 0.50% · 4.625%
HK$105,970
+HK$5,306/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$201,328/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,155
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$103,271
−HK$3,165/mo
Today · 4.125%
HK$106,436
baseline
▲ 0.50% · 4.625%
HK$112,912
+HK$6,476/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$212,872/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,422
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$114,410
−HK$3,031/mo
Today · 4.125%
HK$117,441
baseline
▲ 0.50% · 4.625%
HK$123,632
+HK$6,191/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$234,882/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,771
−HK$8,075/mo
▼ 0.25% · 3.875%
HK$132,777
−HK$4,069/mo
Today · 4.125%
HK$136,846
baseline
▲ 0.50% · 4.625%
HK$145,173
+HK$8,327/mo
Deposit HK$3.14M · loan HK$28.24M · min. income ≈ HK$273,692/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,256
−HK$7,740/mo
▼ 0.25% · 3.875%
HK$147,099
−HK$3,897/mo
Today · 4.125%
HK$150,996
baseline
▲ 0.50% · 4.625%
HK$158,955
+HK$7,959/mo
Deposit HK$3.14M · loan HK$28.24M · min. income ≈ HK$301,992/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,371 · Scale 2, in force from 26 Feb 2026)