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$71,265
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,482
−HK$2,252/mo
Today · 4.125%
HK$75,734
baseline
▲ 0.50% · 4.625%
HK$80,342
+HK$4,608/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$151,468/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,328,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,282
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,408
−HK$2,157/mo
Today · 4.125%
HK$83,565
baseline
▲ 0.50% · 4.625%
HK$87,970
+HK$4,405/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$167,130/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,328,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,518
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,178
−HK$2,703/mo
Today · 4.125%
HK$90,881
baseline
▲ 0.50% · 4.625%
HK$96,411
+HK$5,530/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$181,762/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,138
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,690
−HK$2,588/mo
Today · 4.125%
HK$100,278
baseline
▲ 0.50% · 4.625%
HK$105,564
+HK$5,286/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$200,556/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,771
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$102,875
−HK$3,153/mo
Today · 4.125%
HK$106,028
baseline
▲ 0.50% · 4.625%
HK$112,479
+HK$6,451/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$212,056/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,328,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,994
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$113,971
−HK$3,020/mo
Today · 4.125%
HK$116,991
baseline
▲ 0.50% · 4.625%
HK$123,158
+HK$6,167/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$233,982/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,328,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,277
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$132,267
−HK$4,054/mo
Today · 4.125%
HK$136,321
baseline
▲ 0.50% · 4.625%
HK$144,616
+HK$8,295/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$272,642/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,707
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$146,534
−HK$3,883/mo
Today · 4.125%
HK$150,417
baseline
▲ 0.50% · 4.625%
HK$158,346
+HK$7,929/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$300,834/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,257 · Scale 2, in force from 26 Feb 2026)