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$71,174
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,388
−HK$2,249/mo
Today · 4.125%
HK$75,637
baseline
▲ 0.50% · 4.625%
HK$80,239
+HK$4,602/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$151,274/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,180
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,304
−HK$2,154/mo
Today · 4.125%
HK$83,458
baseline
▲ 0.50% · 4.625%
HK$87,857
+HK$4,399/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$166,916/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,408
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$88,065
−HK$2,699/mo
Today · 4.125%
HK$90,764
baseline
▲ 0.50% · 4.625%
HK$96,287
+HK$5,523/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$181,528/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,016
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$97,564
−HK$2,585/mo
Today · 4.125%
HK$100,149
baseline
▲ 0.50% · 4.625%
HK$105,429
+HK$5,280/mo
Deposit HK$12.49M · loan HK$18.73M · min. income ≈ HK$200,298/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,643
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$102,743
−HK$3,149/mo
Today · 4.125%
HK$105,892
baseline
▲ 0.50% · 4.625%
HK$112,335
+HK$6,443/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$211,784/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,852
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$113,825
−HK$3,016/mo
Today · 4.125%
HK$116,841
baseline
▲ 0.50% · 4.625%
HK$123,000
+HK$6,159/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$233,682/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,113
−HK$8,034/mo
▼ 0.25% · 3.875%
HK$132,098
−HK$4,049/mo
Today · 4.125%
HK$136,147
baseline
▲ 0.50% · 4.625%
HK$144,431
+HK$8,284/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$272,294/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,524
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$146,347
−HK$3,877/mo
Today · 4.125%
HK$150,224
baseline
▲ 0.50% · 4.625%
HK$158,143
+HK$7,919/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$300,448/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,555 · Scale 2, in force from 26 Feb 2026)