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$71,239
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,455
−HK$2,252/mo
Today · 4.125%
HK$75,707
baseline
▲ 0.50% · 4.625%
HK$80,313
+HK$4,606/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$151,414/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,327,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,253
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,378
−HK$2,157/mo
Today · 4.125%
HK$83,535
baseline
▲ 0.50% · 4.625%
HK$87,938
+HK$4,403/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$167,070/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,327,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,487
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,146
−HK$2,702/mo
Today · 4.125%
HK$90,848
baseline
▲ 0.50% · 4.625%
HK$96,376
+HK$5,528/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$181,696/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,103
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$97,654
−HK$2,588/mo
Today · 4.125%
HK$100,242
baseline
▲ 0.50% · 4.625%
HK$105,525
+HK$5,283/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$200,484/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,735
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$102,837
−HK$3,152/mo
Today · 4.125%
HK$105,989
baseline
▲ 0.50% · 4.625%
HK$112,438
+HK$6,449/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$211,978/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,954
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,930
−HK$3,019/mo
Today · 4.125%
HK$116,949
baseline
▲ 0.50% · 4.625%
HK$123,113
+HK$6,164/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$233,898/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,231
−HK$8,041/mo
▼ 0.25% · 3.875%
HK$132,219
−HK$4,053/mo
Today · 4.125%
HK$136,272
baseline
▲ 0.50% · 4.625%
HK$144,564
+HK$8,292/mo
Deposit HK$3.12M · loan HK$28.12M · min. income ≈ HK$272,544/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,655
−HK$7,707/mo
▼ 0.25% · 3.875%
HK$146,481
−HK$3,881/mo
Today · 4.125%
HK$150,362
baseline
▲ 0.50% · 4.625%
HK$158,288
+HK$7,926/mo
Deposit HK$3.12M · loan HK$28.12M · min. income ≈ HK$300,724/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,774 · Scale 2, in force from 26 Feb 2026)