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$71,709
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,939
−HK$2,266/mo
Today · 4.125%
HK$76,205
baseline
▲ 0.50% · 4.625%
HK$80,842
+HK$4,637/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$152,410/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,775
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,915
−HK$2,170/mo
Today · 4.125%
HK$84,085
baseline
▲ 0.50% · 4.625%
HK$88,517
+HK$4,432/mo
Deposit HK$15.72M · loan HK$15.72M · min. income ≈ HK$168,170/mo (50% DSR)
Upfront cash ≈ HK$17.06M (deposit + AVD stamp duty HK$1,336,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,050
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,727
−HK$2,719/mo
Today · 4.125%
HK$91,446
baseline
▲ 0.50% · 4.625%
HK$97,011
+HK$5,565/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$182,892/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,730
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,298
−HK$2,604/mo
Today · 4.125%
HK$100,902
baseline
▲ 0.50% · 4.625%
HK$106,221
+HK$5,319/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$201,804/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,392
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$103,515
−HK$3,173/mo
Today · 4.125%
HK$106,688
baseline
▲ 0.50% · 4.625%
HK$113,179
+HK$6,491/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$213,376/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,685
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$114,681
−HK$3,038/mo
Today · 4.125%
HK$117,719
baseline
▲ 0.50% · 4.625%
HK$123,924
+HK$6,205/mo
Deposit HK$9.43M · loan HK$22.01M · min. income ≈ HK$235,438/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,076
−HK$8,094/mo
▼ 0.25% · 3.875%
HK$133,091
−HK$4,079/mo
Today · 4.125%
HK$137,170
baseline
▲ 0.50% · 4.625%
HK$145,516
+HK$8,346/mo
Deposit HK$3.14M · loan HK$28.30M · min. income ≈ HK$274,340/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,595
−HK$7,758/mo
▼ 0.25% · 3.875%
HK$147,446
−HK$3,907/mo
Today · 4.125%
HK$151,353
baseline
▲ 0.50% · 4.625%
HK$159,331
+HK$7,978/mo
Deposit HK$3.14M · loan HK$28.30M · min. income ≈ HK$302,706/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,524 · Scale 2, in force from 26 Feb 2026)