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$71,261
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,478
−HK$2,252/mo
Today · 4.125%
HK$75,730
baseline
▲ 0.50% · 4.625%
HK$80,338
+HK$4,608/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$151,460/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,328,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,278
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,404
−HK$2,157/mo
Today · 4.125%
HK$83,561
baseline
▲ 0.50% · 4.625%
HK$87,965
+HK$4,404/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$167,122/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,328,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,514
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$88,174
−HK$2,702/mo
Today · 4.125%
HK$90,876
baseline
▲ 0.50% · 4.625%
HK$96,406
+HK$5,530/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$181,752/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,133
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,685
−HK$2,588/mo
Today · 4.125%
HK$100,273
baseline
▲ 0.50% · 4.625%
HK$105,558
+HK$5,285/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$200,546/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,766
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$102,869
−HK$3,153/mo
Today · 4.125%
HK$106,022
baseline
▲ 0.50% · 4.625%
HK$112,473
+HK$6,451/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$212,044/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,328,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,989
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,965
−HK$3,020/mo
Today · 4.125%
HK$116,985
baseline
▲ 0.50% · 4.625%
HK$123,152
+HK$6,167/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$233,970/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,328,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,271
−HK$8,043/mo
▼ 0.25% · 3.875%
HK$132,261
−HK$4,053/mo
Today · 4.125%
HK$136,314
baseline
▲ 0.50% · 4.625%
HK$144,609
+HK$8,295/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$272,628/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,700
−HK$7,709/mo
▼ 0.25% · 3.875%
HK$146,527
−HK$3,882/mo
Today · 4.125%
HK$150,409
baseline
▲ 0.50% · 4.625%
HK$158,338
+HK$7,929/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$300,818/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,190 · Scale 2, in force from 26 Feb 2026)