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$71,495
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,719
−HK$2,259/mo
Today · 4.125%
HK$75,978
baseline
▲ 0.50% · 4.625%
HK$80,602
+HK$4,624/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$151,956/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,538
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,671
−HK$2,164/mo
Today · 4.125%
HK$83,835
baseline
▲ 0.50% · 4.625%
HK$88,254
+HK$4,419/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$167,670/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,794
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,463
−HK$2,711/mo
Today · 4.125%
HK$91,174
baseline
▲ 0.50% · 4.625%
HK$96,722
+HK$5,548/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$182,348/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,445
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$98,005
−HK$2,597/mo
Today · 4.125%
HK$100,602
baseline
▲ 0.50% · 4.625%
HK$105,904
+HK$5,302/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$201,204/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,093
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$103,207
−HK$3,163/mo
Today · 4.125%
HK$106,370
baseline
▲ 0.50% · 4.625%
HK$112,842
+HK$6,472/mo
Deposit HK$9.41M · loan HK$21.95M · min. income ≈ HK$212,740/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,353
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$114,339
−HK$3,030/mo
Today · 4.125%
HK$117,369
baseline
▲ 0.50% · 4.625%
HK$123,555
+HK$6,186/mo
Deposit HK$9.41M · loan HK$21.95M · min. income ≈ HK$234,738/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,691
−HK$8,070/mo
▼ 0.25% · 3.875%
HK$132,694
−HK$4,067/mo
Today · 4.125%
HK$136,761
baseline
▲ 0.50% · 4.625%
HK$145,083
+HK$8,322/mo
Deposit HK$3.14M · loan HK$28.22M · min. income ≈ HK$273,522/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,168
−HK$7,734/mo
▼ 0.25% · 3.875%
HK$147,007
−HK$3,895/mo
Today · 4.125%
HK$150,902
baseline
▲ 0.50% · 4.625%
HK$158,857
+HK$7,955/mo
Deposit HK$3.14M · loan HK$28.22M · min. income ≈ HK$301,804/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,543 · Scale 2, in force from 26 Feb 2026)