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$71,402
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,623
−HK$2,257/mo
Today · 4.125%
HK$75,880
baseline
▲ 0.50% · 4.625%
HK$80,497
+HK$4,617/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$151,760/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,330,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,434
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,565
−HK$2,161/mo
Today · 4.125%
HK$83,726
baseline
▲ 0.50% · 4.625%
HK$88,139
+HK$4,413/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$167,452/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,330,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,683
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$88,348
−HK$2,708/mo
Today · 4.125%
HK$91,056
baseline
▲ 0.50% · 4.625%
HK$96,596
+HK$5,540/mo
Deposit HK$12.53M · loan HK$18.79M · min. income ≈ HK$182,112/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,330,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,321
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$97,878
−HK$2,593/mo
Today · 4.125%
HK$100,471
baseline
▲ 0.50% · 4.625%
HK$105,767
+HK$5,296/mo
Deposit HK$12.53M · loan HK$18.79M · min. income ≈ HK$200,942/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,330,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,963
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$103,073
−HK$3,159/mo
Today · 4.125%
HK$106,232
baseline
▲ 0.50% · 4.625%
HK$112,696
+HK$6,464/mo
Deposit HK$9.39M · loan HK$21.92M · min. income ≈ HK$212,464/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,208
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$114,191
−HK$3,025/mo
Today · 4.125%
HK$117,216
baseline
▲ 0.50% · 4.625%
HK$123,395
+HK$6,179/mo
Deposit HK$9.39M · loan HK$21.92M · min. income ≈ HK$234,432/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,524
−HK$8,060/mo
▼ 0.25% · 3.875%
HK$132,522
−HK$4,062/mo
Today · 4.125%
HK$136,584
baseline
▲ 0.50% · 4.625%
HK$144,895
+HK$8,311/mo
Deposit HK$3.13M · loan HK$28.18M · min. income ≈ HK$273,168/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,982
−HK$7,725/mo
▼ 0.25% · 3.875%
HK$146,817
−HK$3,890/mo
Today · 4.125%
HK$150,707
baseline
▲ 0.50% · 4.625%
HK$158,651
+HK$7,944/mo
Deposit HK$3.13M · loan HK$28.18M · min. income ≈ HK$301,414/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,816 · Scale 2, in force from 26 Feb 2026)