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$71,821
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,055
−HK$2,270/mo
Today · 4.125%
HK$76,325
baseline
▲ 0.50% · 4.625%
HK$80,969
+HK$4,644/mo
Deposit HK$15.75M · loan HK$15.75M · min. income ≈ HK$152,650/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,338,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,900
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,043
−HK$2,174/mo
Today · 4.125%
HK$84,217
baseline
▲ 0.50% · 4.625%
HK$88,656
+HK$4,439/mo
Deposit HK$15.75M · loan HK$15.75M · min. income ≈ HK$168,434/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,338,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,185
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$88,866
−HK$2,724/mo
Today · 4.125%
HK$91,590
baseline
▲ 0.50% · 4.625%
HK$97,163
+HK$5,573/mo
Deposit HK$12.60M · loan HK$18.90M · min. income ≈ HK$183,180/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,338,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,881
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$98,452
−HK$2,609/mo
Today · 4.125%
HK$101,061
baseline
▲ 0.50% · 4.625%
HK$106,388
+HK$5,327/mo
Deposit HK$12.60M · loan HK$18.90M · min. income ≈ HK$202,122/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,338,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,550
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$103,677
−HK$3,178/mo
Today · 4.125%
HK$106,855
baseline
▲ 0.50% · 4.625%
HK$113,357
+HK$6,502/mo
Deposit HK$9.45M · loan HK$22.05M · min. income ≈ HK$213,710/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,338,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,861
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$114,861
−HK$3,043/mo
Today · 4.125%
HK$117,904
baseline
▲ 0.50% · 4.625%
HK$124,119
+HK$6,215/mo
Deposit HK$9.45M · loan HK$22.05M · min. income ≈ HK$235,808/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,338,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,278
−HK$8,107/mo
▼ 0.25% · 3.875%
HK$133,300
−HK$4,085/mo
Today · 4.125%
HK$137,385
baseline
▲ 0.50% · 4.625%
HK$145,745
+HK$8,360/mo
Deposit HK$3.15M · loan HK$28.35M · min. income ≈ HK$274,770/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,821
−HK$7,770/mo
▼ 0.25% · 3.875%
HK$147,678
−HK$3,913/mo
Today · 4.125%
HK$151,591
baseline
▲ 0.50% · 4.625%
HK$159,582
+HK$7,991/mo
Deposit HK$3.15M · loan HK$28.35M · min. income ≈ HK$303,182/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,623 · Scale 2, in force from 26 Feb 2026)