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$71,304
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,522
−HK$2,254/mo
Today · 4.125%
HK$75,776
baseline
▲ 0.50% · 4.625%
HK$80,387
+HK$4,611/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,552/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,325
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,453
−HK$2,158/mo
Today · 4.125%
HK$83,611
baseline
▲ 0.50% · 4.625%
HK$88,018
+HK$4,407/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,222/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,565
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,227
−HK$2,704/mo
Today · 4.125%
HK$90,931
baseline
▲ 0.50% · 4.625%
HK$96,464
+HK$5,533/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$181,862/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,328,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,190
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,743
−HK$2,590/mo
Today · 4.125%
HK$100,333
baseline
▲ 0.50% · 4.625%
HK$105,622
+HK$5,289/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$200,666/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,328,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,826
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$102,931
−HK$3,155/mo
Today · 4.125%
HK$106,086
baseline
▲ 0.50% · 4.625%
HK$112,541
+HK$6,455/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$212,172/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,055
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,034
−HK$3,021/mo
Today · 4.125%
HK$117,055
baseline
▲ 0.50% · 4.625%
HK$123,226
+HK$6,171/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$234,110/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,348
−HK$8,048/mo
▼ 0.25% · 3.875%
HK$132,340
−HK$4,056/mo
Today · 4.125%
HK$136,396
baseline
▲ 0.50% · 4.625%
HK$144,696
+HK$8,300/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$272,792/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,328,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,786
−HK$7,714/mo
▼ 0.25% · 3.875%
HK$146,615
−HK$3,885/mo
Today · 4.125%
HK$150,500
baseline
▲ 0.50% · 4.625%
HK$158,433
+HK$7,933/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$301,000/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,328,989 · Scale 2, in force from 26 Feb 2026)