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$71,294
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,511
−HK$2,253/mo
Today · 4.125%
HK$75,764
baseline
▲ 0.50% · 4.625%
HK$80,374
+HK$4,610/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$151,528/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,313
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,441
−HK$2,158/mo
Today · 4.125%
HK$83,599
baseline
▲ 0.50% · 4.625%
HK$88,005
+HK$4,406/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$167,198/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,552
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$88,214
−HK$2,703/mo
Today · 4.125%
HK$90,917
baseline
▲ 0.50% · 4.625%
HK$96,449
+HK$5,532/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$181,834/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,328,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,176
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,729
−HK$2,589/mo
Today · 4.125%
HK$100,318
baseline
▲ 0.50% · 4.625%
HK$105,606
+HK$5,288/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$200,636/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,328,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,811
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$102,916
−HK$3,154/mo
Today · 4.125%
HK$106,070
baseline
▲ 0.50% · 4.625%
HK$112,524
+HK$6,454/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$212,140/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,039
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$114,017
−HK$3,021/mo
Today · 4.125%
HK$117,038
baseline
▲ 0.50% · 4.625%
HK$123,207
+HK$6,169/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$234,076/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,329
−HK$8,047/mo
▼ 0.25% · 3.875%
HK$132,320
−HK$4,056/mo
Today · 4.125%
HK$136,376
baseline
▲ 0.50% · 4.625%
HK$144,674
+HK$8,298/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$272,752/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,328,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,764
−HK$7,713/mo
▼ 0.25% · 3.875%
HK$146,593
−HK$3,884/mo
Today · 4.125%
HK$150,477
baseline
▲ 0.50% · 4.625%
HK$158,409
+HK$7,932/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$300,954/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,328,789 · Scale 2, in force from 26 Feb 2026)