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$71,886
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,122
−HK$2,272/mo
Today · 4.125%
HK$76,394
baseline
▲ 0.50% · 4.625%
HK$81,042
+HK$4,648/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$152,788/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,973
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,117
−HK$2,176/mo
Today · 4.125%
HK$84,293
baseline
▲ 0.50% · 4.625%
HK$88,737
+HK$4,444/mo
Deposit HK$15.76M · loan HK$15.76M · min. income ≈ HK$168,586/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,339,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,263
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,947
−HK$2,726/mo
Today · 4.125%
HK$91,673
baseline
▲ 0.50% · 4.625%
HK$97,251
+HK$5,578/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$183,346/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,967
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,541
−HK$2,611/mo
Today · 4.125%
HK$101,152
baseline
▲ 0.50% · 4.625%
HK$106,484
+HK$5,332/mo
Deposit HK$12.61M · loan HK$18.92M · min. income ≈ HK$202,304/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,339,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,641
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$103,771
−HK$3,181/mo
Today · 4.125%
HK$106,952
baseline
▲ 0.50% · 4.625%
HK$113,459
+HK$6,507/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$213,904/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,962
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$114,964
−HK$3,047/mo
Today · 4.125%
HK$118,011
baseline
▲ 0.50% · 4.625%
HK$124,231
+HK$6,220/mo
Deposit HK$9.46M · loan HK$22.07M · min. income ≈ HK$236,022/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$1,339,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,395
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$133,420
−HK$4,089/mo
Today · 4.125%
HK$137,509
baseline
▲ 0.50% · 4.625%
HK$145,876
+HK$8,367/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$275,018/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,951
−HK$7,777/mo
▼ 0.25% · 3.875%
HK$147,811
−HK$3,917/mo
Today · 4.125%
HK$151,728
baseline
▲ 0.50% · 4.625%
HK$159,726
+HK$7,998/mo
Deposit HK$3.15M · loan HK$28.37M · min. income ≈ HK$303,456/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,339,833 · Scale 2, in force from 26 Feb 2026)