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$71,563
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,789
−HK$2,262/mo
Today · 4.125%
HK$76,051
baseline
▲ 0.50% · 4.625%
HK$80,679
+HK$4,628/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,102/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,333,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,613
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,749
−HK$2,166/mo
Today · 4.125%
HK$83,915
baseline
▲ 0.50% · 4.625%
HK$88,338
+HK$4,423/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,830/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,333,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,876
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$88,547
−HK$2,714/mo
Today · 4.125%
HK$91,261
baseline
▲ 0.50% · 4.625%
HK$96,814
+HK$5,553/mo
Deposit HK$12.55M · loan HK$18.83M · min. income ≈ HK$182,522/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,333,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,536
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,098
−HK$2,600/mo
Today · 4.125%
HK$100,698
baseline
▲ 0.50% · 4.625%
HK$106,006
+HK$5,308/mo
Deposit HK$12.55M · loan HK$18.83M · min. income ≈ HK$201,396/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,333,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,189
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$103,305
−HK$3,166/mo
Today · 4.125%
HK$106,471
baseline
▲ 0.50% · 4.625%
HK$112,950
+HK$6,479/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$212,942/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,459
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,448
−HK$3,033/mo
Today · 4.125%
HK$117,481
baseline
▲ 0.50% · 4.625%
HK$123,673
+HK$6,192/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$234,962/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,814
−HK$8,078/mo
▼ 0.25% · 3.875%
HK$132,821
−HK$4,071/mo
Today · 4.125%
HK$136,892
baseline
▲ 0.50% · 4.625%
HK$145,221
+HK$8,329/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$273,784/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,304
−HK$7,743/mo
▼ 0.25% · 3.875%
HK$147,148
−HK$3,899/mo
Today · 4.125%
HK$151,047
baseline
▲ 0.50% · 4.625%
HK$159,008
+HK$7,961/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$302,094/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,816 · Scale 2, in force from 26 Feb 2026)