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$71,164
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,378
−HK$2,249/mo
Today · 4.125%
HK$75,627
baseline
▲ 0.50% · 4.625%
HK$80,229
+HK$4,602/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,254/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,170
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,293
−HK$2,154/mo
Today · 4.125%
HK$83,447
baseline
▲ 0.50% · 4.625%
HK$87,846
+HK$4,399/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,894/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,397
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$88,054
−HK$2,699/mo
Today · 4.125%
HK$90,753
baseline
▲ 0.50% · 4.625%
HK$96,275
+HK$5,522/mo
Deposit HK$12.48M · loan HK$18.73M · min. income ≈ HK$181,506/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,004
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,552
−HK$2,584/mo
Today · 4.125%
HK$100,136
baseline
▲ 0.50% · 4.625%
HK$105,415
+HK$5,279/mo
Deposit HK$12.48M · loan HK$18.73M · min. income ≈ HK$200,272/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,630
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$102,729
−HK$3,149/mo
Today · 4.125%
HK$105,878
baseline
▲ 0.50% · 4.625%
HK$112,320
+HK$6,442/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$211,756/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,838
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$113,810
−HK$3,016/mo
Today · 4.125%
HK$116,826
baseline
▲ 0.50% · 4.625%
HK$122,984
+HK$6,158/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$233,652/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,096
−HK$8,033/mo
▼ 0.25% · 3.875%
HK$132,081
−HK$4,048/mo
Today · 4.125%
HK$136,129
baseline
▲ 0.50% · 4.625%
HK$144,412
+HK$8,283/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$272,258/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,506
−HK$7,699/mo
▼ 0.25% · 3.875%
HK$146,327
−HK$3,878/mo
Today · 4.125%
HK$150,205
baseline
▲ 0.50% · 4.625%
HK$158,122
+HK$7,917/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$300,410/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,382 · Scale 2, in force from 26 Feb 2026)