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$71,740
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,971
−HK$2,267/mo
Today · 4.125%
HK$76,238
baseline
▲ 0.50% · 4.625%
HK$80,877
+HK$4,639/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$152,476/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,810
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,950
−HK$2,172/mo
Today · 4.125%
HK$84,122
baseline
▲ 0.50% · 4.625%
HK$88,556
+HK$4,434/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$168,244/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,088
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,765
−HK$2,721/mo
Today · 4.125%
HK$91,486
baseline
▲ 0.50% · 4.625%
HK$97,053
+HK$5,567/mo
Deposit HK$12.58M · loan HK$18.88M · min. income ≈ HK$182,972/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,337,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,772
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,340
−HK$2,606/mo
Today · 4.125%
HK$100,946
baseline
▲ 0.50% · 4.625%
HK$106,267
+HK$5,321/mo
Deposit HK$12.58M · loan HK$18.88M · min. income ≈ HK$201,892/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,337,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,436
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$103,560
−HK$3,174/mo
Today · 4.125%
HK$106,734
baseline
▲ 0.50% · 4.625%
HK$113,228
+HK$6,494/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$213,468/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,734
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$114,730
−HK$3,040/mo
Today · 4.125%
HK$117,770
baseline
▲ 0.50% · 4.625%
HK$123,978
+HK$6,208/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$235,540/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$1,337,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,131
−HK$8,098/mo
▼ 0.25% · 3.875%
HK$133,148
−HK$4,081/mo
Today · 4.125%
HK$137,229
baseline
▲ 0.50% · 4.625%
HK$145,579
+HK$8,350/mo
Deposit HK$3.15M · loan HK$28.32M · min. income ≈ HK$274,458/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,337,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,657
−HK$7,762/mo
▼ 0.25% · 3.875%
HK$147,510
−HK$3,909/mo
Today · 4.125%
HK$151,419
baseline
▲ 0.50% · 4.625%
HK$159,400
+HK$7,981/mo
Deposit HK$3.15M · loan HK$28.32M · min. income ≈ HK$302,838/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,337,103 · Scale 2, in force from 26 Feb 2026)