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$71,423
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,645
−HK$2,257/mo
Today · 4.125%
HK$75,902
baseline
▲ 0.50% · 4.625%
HK$80,521
+HK$4,619/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$151,804/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,331,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,458
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,589
−HK$2,162/mo
Today · 4.125%
HK$83,751
baseline
▲ 0.50% · 4.625%
HK$88,165
+HK$4,414/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$167,502/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,331,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,708
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,374
−HK$2,709/mo
Today · 4.125%
HK$91,083
baseline
▲ 0.50% · 4.625%
HK$96,625
+HK$5,542/mo
Deposit HK$12.53M · loan HK$18.79M · min. income ≈ HK$182,166/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,349
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,907
−HK$2,594/mo
Today · 4.125%
HK$100,501
baseline
▲ 0.50% · 4.625%
HK$105,798
+HK$5,297/mo
Deposit HK$12.53M · loan HK$18.79M · min. income ≈ HK$201,002/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,993
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$103,103
−HK$3,160/mo
Today · 4.125%
HK$106,263
baseline
▲ 0.50% · 4.625%
HK$112,729
+HK$6,466/mo
Deposit HK$9.40M · loan HK$21.93M · min. income ≈ HK$212,526/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,241
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$114,224
−HK$3,027/mo
Today · 4.125%
HK$117,251
baseline
▲ 0.50% · 4.625%
HK$123,431
+HK$6,180/mo
Deposit HK$9.40M · loan HK$21.93M · min. income ≈ HK$234,502/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,562
−HK$8,062/mo
▼ 0.25% · 3.875%
HK$132,561
−HK$4,063/mo
Today · 4.125%
HK$136,624
baseline
▲ 0.50% · 4.625%
HK$144,937
+HK$8,313/mo
Deposit HK$3.13M · loan HK$28.19M · min. income ≈ HK$273,248/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,024
−HK$7,727/mo
▼ 0.25% · 3.875%
HK$146,860
−HK$3,891/mo
Today · 4.125%
HK$150,751
baseline
▲ 0.50% · 4.625%
HK$158,697
+HK$7,946/mo
Deposit HK$3.13M · loan HK$28.19M · min. income ≈ HK$301,502/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,207 · Scale 2, in force from 26 Feb 2026)