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$71,376
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,596
−HK$2,256/mo
Today · 4.125%
HK$75,852
baseline
▲ 0.50% · 4.625%
HK$80,467
+HK$4,615/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$151,704/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,405
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,534
−HK$2,161/mo
Today · 4.125%
HK$83,695
baseline
▲ 0.50% · 4.625%
HK$88,106
+HK$4,411/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$167,390/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,651
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,315
−HK$2,707/mo
Today · 4.125%
HK$91,022
baseline
▲ 0.50% · 4.625%
HK$96,560
+HK$5,538/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$182,044/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,286
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,841
−HK$2,593/mo
Today · 4.125%
HK$100,434
baseline
▲ 0.50% · 4.625%
HK$105,728
+HK$5,294/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$200,868/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,926
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$103,034
−HK$3,158/mo
Today · 4.125%
HK$106,192
baseline
▲ 0.50% · 4.625%
HK$112,654
+HK$6,462/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$212,384/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,167
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$114,148
−HK$3,025/mo
Today · 4.125%
HK$117,173
baseline
▲ 0.50% · 4.625%
HK$123,349
+HK$6,176/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$234,346/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,476
−HK$8,057/mo
▼ 0.25% · 3.875%
HK$132,473
−HK$4,060/mo
Today · 4.125%
HK$136,533
baseline
▲ 0.50% · 4.625%
HK$144,841
+HK$8,308/mo
Deposit HK$3.13M · loan HK$28.17M · min. income ≈ HK$273,066/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,929
−HK$7,722/mo
▼ 0.25% · 3.875%
HK$146,762
−HK$3,889/mo
Today · 4.125%
HK$150,651
baseline
▲ 0.50% · 4.625%
HK$158,592
+HK$7,941/mo
Deposit HK$3.13M · loan HK$28.17M · min. income ≈ HK$301,302/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,319 · Scale 2, in force from 26 Feb 2026)