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$71,258
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,475
−HK$2,252/mo
Today · 4.125%
HK$75,727
baseline
▲ 0.50% · 4.625%
HK$80,335
+HK$4,608/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$151,454/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,328,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,274
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,400
−HK$2,157/mo
Today · 4.125%
HK$83,557
baseline
▲ 0.50% · 4.625%
HK$87,961
+HK$4,404/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$167,114/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,328,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,510
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$88,170
−HK$2,702/mo
Today · 4.125%
HK$90,872
baseline
▲ 0.50% · 4.625%
HK$96,401
+HK$5,529/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$181,744/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,129
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$97,680
−HK$2,588/mo
Today · 4.125%
HK$100,268
baseline
▲ 0.50% · 4.625%
HK$105,554
+HK$5,286/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$200,536/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,762
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$102,865
−HK$3,152/mo
Today · 4.125%
HK$106,017
baseline
▲ 0.50% · 4.625%
HK$112,468
+HK$6,451/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$212,034/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,328,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,984
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,960
−HK$3,020/mo
Today · 4.125%
HK$116,980
baseline
▲ 0.50% · 4.625%
HK$123,146
+HK$6,166/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$233,960/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,328,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,265
−HK$8,043/mo
▼ 0.25% · 3.875%
HK$132,255
−HK$4,053/mo
Today · 4.125%
HK$136,308
baseline
▲ 0.50% · 4.625%
HK$144,602
+HK$8,294/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$272,616/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,693
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$146,520
−HK$3,883/mo
Today · 4.125%
HK$150,403
baseline
▲ 0.50% · 4.625%
HK$158,331
+HK$7,928/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$300,806/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,129 · Scale 2, in force from 26 Feb 2026)