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$71,254
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,470
−HK$2,252/mo
Today · 4.125%
HK$75,722
baseline
▲ 0.50% · 4.625%
HK$80,329
+HK$4,607/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$151,444/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,328,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,269
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,395
−HK$2,157/mo
Today · 4.125%
HK$83,552
baseline
▲ 0.50% · 4.625%
HK$87,956
+HK$4,404/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$167,104/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,328,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,504
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$88,164
−HK$2,702/mo
Today · 4.125%
HK$90,866
baseline
▲ 0.50% · 4.625%
HK$96,395
+HK$5,529/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$181,732/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,123
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$97,674
−HK$2,588/mo
Today · 4.125%
HK$100,262
baseline
▲ 0.50% · 4.625%
HK$105,547
+HK$5,285/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$200,524/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,755
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$102,858
−HK$3,153/mo
Today · 4.125%
HK$106,011
baseline
▲ 0.50% · 4.625%
HK$112,461
+HK$6,450/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$212,022/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,328,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,977
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,953
−HK$3,019/mo
Today · 4.125%
HK$116,972
baseline
▲ 0.50% · 4.625%
HK$123,138
+HK$6,166/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$233,944/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,328,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,257
−HK$8,042/mo
▼ 0.25% · 3.875%
HK$132,246
−HK$4,053/mo
Today · 4.125%
HK$136,299
baseline
▲ 0.50% · 4.625%
HK$144,593
+HK$8,294/mo
Deposit HK$3.12M · loan HK$28.12M · min. income ≈ HK$272,598/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,684
−HK$7,709/mo
▼ 0.25% · 3.875%
HK$146,511
−HK$3,882/mo
Today · 4.125%
HK$150,393
baseline
▲ 0.50% · 4.625%
HK$158,320
+HK$7,927/mo
Deposit HK$3.12M · loan HK$28.12M · min. income ≈ HK$300,786/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,044 · Scale 2, in force from 26 Feb 2026)