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$71,284
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,501
−HK$2,253/mo
Today · 4.125%
HK$75,754
baseline
▲ 0.50% · 4.625%
HK$80,364
+HK$4,610/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$151,508/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,303
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,430
−HK$2,157/mo
Today · 4.125%
HK$83,587
baseline
▲ 0.50% · 4.625%
HK$87,993
+HK$4,406/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$167,174/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,541
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,202
−HK$2,703/mo
Today · 4.125%
HK$90,905
baseline
▲ 0.50% · 4.625%
HK$96,436
+HK$5,531/mo
Deposit HK$12.50M · loan HK$18.76M · min. income ≈ HK$181,810/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,163
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,716
−HK$2,589/mo
Today · 4.125%
HK$100,305
baseline
▲ 0.50% · 4.625%
HK$105,592
+HK$5,287/mo
Deposit HK$12.50M · loan HK$18.76M · min. income ≈ HK$200,610/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,798
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$102,902
−HK$3,154/mo
Today · 4.125%
HK$106,056
baseline
▲ 0.50% · 4.625%
HK$112,509
+HK$6,453/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$212,112/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,024
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$114,002
−HK$3,020/mo
Today · 4.125%
HK$117,022
baseline
▲ 0.50% · 4.625%
HK$123,191
+HK$6,169/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$234,044/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,311
−HK$8,047/mo
▼ 0.25% · 3.875%
HK$132,303
−HK$4,055/mo
Today · 4.125%
HK$136,358
baseline
▲ 0.50% · 4.625%
HK$144,655
+HK$8,297/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$272,716/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,745
−HK$7,712/mo
▼ 0.25% · 3.875%
HK$146,574
−HK$3,883/mo
Today · 4.125%
HK$150,457
baseline
▲ 0.50% · 4.625%
HK$158,388
+HK$7,931/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$300,914/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,612 · Scale 2, in force from 26 Feb 2026)