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$71,467
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,690
−HK$2,259/mo
Today · 4.125%
HK$75,949
baseline
▲ 0.50% · 4.625%
HK$80,570
+HK$4,621/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$151,898/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,332,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,506
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,639
−HK$2,163/mo
Today · 4.125%
HK$83,802
baseline
▲ 0.50% · 4.625%
HK$88,219
+HK$4,417/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$167,604/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,332,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,760
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$88,428
−HK$2,710/mo
Today · 4.125%
HK$91,138
baseline
▲ 0.50% · 4.625%
HK$96,684
+HK$5,546/mo
Deposit HK$12.54M · loan HK$18.80M · min. income ≈ HK$182,276/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,408
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$97,966
−HK$2,596/mo
Today · 4.125%
HK$100,562
baseline
▲ 0.50% · 4.625%
HK$105,863
+HK$5,301/mo
Deposit HK$12.54M · loan HK$18.80M · min. income ≈ HK$201,124/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,054
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$103,166
−HK$3,162/mo
Today · 4.125%
HK$106,328
baseline
▲ 0.50% · 4.625%
HK$112,798
+HK$6,470/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$212,656/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,332,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,309
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$114,294
−HK$3,029/mo
Today · 4.125%
HK$117,323
baseline
▲ 0.50% · 4.625%
HK$123,507
+HK$6,184/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$234,646/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,332,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,641
−HK$8,067/mo
▼ 0.25% · 3.875%
HK$132,642
−HK$4,066/mo
Today · 4.125%
HK$136,708
baseline
▲ 0.50% · 4.625%
HK$145,026
+HK$8,318/mo
Deposit HK$3.13M · loan HK$28.21M · min. income ≈ HK$273,416/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,111
−HK$7,732/mo
▼ 0.25% · 3.875%
HK$146,950
−HK$3,893/mo
Today · 4.125%
HK$150,843
baseline
▲ 0.50% · 4.625%
HK$158,794
+HK$7,951/mo
Deposit HK$3.13M · loan HK$28.21M · min. income ≈ HK$301,686/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,021 · Scale 2, in force from 26 Feb 2026)