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$71,241
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,457
−HK$2,251/mo
Today · 4.125%
HK$75,708
baseline
▲ 0.50% · 4.625%
HK$80,315
+HK$4,607/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$151,416/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,327,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,255
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,380
−HK$2,157/mo
Today · 4.125%
HK$83,537
baseline
▲ 0.50% · 4.625%
HK$87,940
+HK$4,403/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$167,074/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,327,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,489
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,148
−HK$2,702/mo
Today · 4.125%
HK$90,850
baseline
▲ 0.50% · 4.625%
HK$96,378
+HK$5,528/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$181,700/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,106
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,656
−HK$2,588/mo
Today · 4.125%
HK$100,244
baseline
▲ 0.50% · 4.625%
HK$105,528
+HK$5,284/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$200,488/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,737
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$102,839
−HK$3,153/mo
Today · 4.125%
HK$105,992
baseline
▲ 0.50% · 4.625%
HK$112,441
+HK$6,449/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$211,984/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,957
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$113,932
−HK$3,019/mo
Today · 4.125%
HK$116,951
baseline
▲ 0.50% · 4.625%
HK$123,116
+HK$6,165/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$233,902/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,233
−HK$8,042/mo
▼ 0.25% · 3.875%
HK$132,222
−HK$4,053/mo
Today · 4.125%
HK$136,275
baseline
▲ 0.50% · 4.625%
HK$144,567
+HK$8,292/mo
Deposit HK$3.12M · loan HK$28.12M · min. income ≈ HK$272,550/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,658
−HK$7,708/mo
▼ 0.25% · 3.875%
HK$146,484
−HK$3,882/mo
Today · 4.125%
HK$150,366
baseline
▲ 0.50% · 4.625%
HK$158,292
+HK$7,926/mo
Deposit HK$3.12M · loan HK$28.12M · min. income ≈ HK$300,732/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,804 · Scale 2, in force from 26 Feb 2026)