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$71,475
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,698
−HK$2,259/mo
Today · 4.125%
HK$75,957
baseline
▲ 0.50% · 4.625%
HK$80,578
+HK$4,621/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$151,914/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,332,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,515
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,647
−HK$2,164/mo
Today · 4.125%
HK$83,811
baseline
▲ 0.50% · 4.625%
HK$88,228
+HK$4,417/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$167,622/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,332,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,769
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$88,437
−HK$2,711/mo
Today · 4.125%
HK$91,148
baseline
▲ 0.50% · 4.625%
HK$96,694
+HK$5,546/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$182,296/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,418
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,977
−HK$2,596/mo
Today · 4.125%
HK$100,573
baseline
▲ 0.50% · 4.625%
HK$105,874
+HK$5,301/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$201,146/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,064
−HK$6,275/mo
▼ 0.25% · 3.875%
HK$103,177
−HK$3,162/mo
Today · 4.125%
HK$106,339
baseline
▲ 0.50% · 4.625%
HK$112,810
+HK$6,471/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$212,678/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,321
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$114,306
−HK$3,029/mo
Today · 4.125%
HK$117,335
baseline
▲ 0.50% · 4.625%
HK$123,520
+HK$6,185/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$234,670/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,654
−HK$8,068/mo
▼ 0.25% · 3.875%
HK$132,656
−HK$4,066/mo
Today · 4.125%
HK$136,722
baseline
▲ 0.50% · 4.625%
HK$145,041
+HK$8,319/mo
Deposit HK$3.13M · loan HK$28.21M · min. income ≈ HK$273,444/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,126
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$146,965
−HK$3,894/mo
Today · 4.125%
HK$150,859
baseline
▲ 0.50% · 4.625%
HK$158,811
+HK$7,952/mo
Deposit HK$3.13M · loan HK$28.21M · min. income ≈ HK$301,718/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,161 · Scale 2, in force from 26 Feb 2026)