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$71,211
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,426
−HK$2,251/mo
Today · 4.125%
HK$75,677
baseline
▲ 0.50% · 4.625%
HK$80,282
+HK$4,605/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$151,354/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,222
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,347
−HK$2,155/mo
Today · 4.125%
HK$83,502
baseline
▲ 0.50% · 4.625%
HK$87,904
+HK$4,402/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$167,004/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,454
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$88,112
−HK$2,700/mo
Today · 4.125%
HK$90,812
baseline
▲ 0.50% · 4.625%
HK$96,338
+HK$5,526/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$181,624/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,066
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$97,616
−HK$2,586/mo
Today · 4.125%
HK$100,202
baseline
▲ 0.50% · 4.625%
HK$105,484
+HK$5,282/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$200,404/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,696
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$102,797
−HK$3,151/mo
Today · 4.125%
HK$105,948
baseline
▲ 0.50% · 4.625%
HK$112,394
+HK$6,446/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$211,896/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,911
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$113,885
−HK$3,018/mo
Today · 4.125%
HK$116,903
baseline
▲ 0.50% · 4.625%
HK$123,065
+HK$6,162/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$233,806/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,180
−HK$8,038/mo
▼ 0.25% · 3.875%
HK$132,168
−HK$4,050/mo
Today · 4.125%
HK$136,218
baseline
▲ 0.50% · 4.625%
HK$144,507
+HK$8,289/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$272,436/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,599
−HK$7,705/mo
▼ 0.25% · 3.875%
HK$146,424
−HK$3,880/mo
Today · 4.125%
HK$150,304
baseline
▲ 0.50% · 4.625%
HK$158,226
+HK$7,922/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$300,608/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,255 · Scale 2, in force from 26 Feb 2026)