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$71,821
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,055
−HK$2,269/mo
Today · 4.125%
HK$76,324
baseline
▲ 0.50% · 4.625%
HK$80,969
+HK$4,645/mo
Deposit HK$15.75M · loan HK$15.75M · min. income ≈ HK$152,648/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,338,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,900
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,043
−HK$2,173/mo
Today · 4.125%
HK$84,216
baseline
▲ 0.50% · 4.625%
HK$88,656
+HK$4,440/mo
Deposit HK$15.75M · loan HK$15.75M · min. income ≈ HK$168,432/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,338,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,185
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$88,866
−HK$2,723/mo
Today · 4.125%
HK$91,589
baseline
▲ 0.50% · 4.625%
HK$97,162
+HK$5,573/mo
Deposit HK$12.60M · loan HK$18.90M · min. income ≈ HK$183,178/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,338,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,880
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$98,451
−HK$2,609/mo
Today · 4.125%
HK$101,060
baseline
▲ 0.50% · 4.625%
HK$106,387
+HK$5,327/mo
Deposit HK$12.60M · loan HK$18.90M · min. income ≈ HK$202,120/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,338,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,549
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$103,676
−HK$3,178/mo
Today · 4.125%
HK$106,854
baseline
▲ 0.50% · 4.625%
HK$113,356
+HK$6,502/mo
Deposit HK$9.45M · loan HK$22.05M · min. income ≈ HK$213,708/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,338,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,860
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$114,860
−HK$3,043/mo
Today · 4.125%
HK$117,903
baseline
▲ 0.50% · 4.625%
HK$124,118
+HK$6,215/mo
Deposit HK$9.45M · loan HK$22.05M · min. income ≈ HK$235,806/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,338,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,277
−HK$8,107/mo
▼ 0.25% · 3.875%
HK$133,298
−HK$4,086/mo
Today · 4.125%
HK$137,384
baseline
▲ 0.50% · 4.625%
HK$145,743
+HK$8,359/mo
Deposit HK$3.15M · loan HK$28.35M · min. income ≈ HK$274,768/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,819
−HK$7,771/mo
▼ 0.25% · 3.875%
HK$147,677
−HK$3,913/mo
Today · 4.125%
HK$151,590
baseline
▲ 0.50% · 4.625%
HK$159,580
+HK$7,990/mo
Deposit HK$3.15M · loan HK$28.35M · min. income ≈ HK$303,180/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,611 · Scale 2, in force from 26 Feb 2026)