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$71,306
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,524
−HK$2,253/mo
Today · 4.125%
HK$75,777
baseline
▲ 0.50% · 4.625%
HK$80,388
+HK$4,611/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,554/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,329,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,327
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,454
−HK$2,158/mo
Today · 4.125%
HK$83,612
baseline
▲ 0.50% · 4.625%
HK$88,020
+HK$4,408/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,224/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,329,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,567
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$88,228
−HK$2,704/mo
Today · 4.125%
HK$90,932
baseline
▲ 0.50% · 4.625%
HK$96,465
+HK$5,533/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$181,864/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,192
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,745
−HK$2,590/mo
Today · 4.125%
HK$100,335
baseline
▲ 0.50% · 4.625%
HK$105,624
+HK$5,289/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$200,670/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,828
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$102,933
−HK$3,155/mo
Today · 4.125%
HK$106,088
baseline
▲ 0.50% · 4.625%
HK$112,543
+HK$6,455/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$212,176/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,329,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,057
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,036
−HK$3,021/mo
Today · 4.125%
HK$117,057
baseline
▲ 0.50% · 4.625%
HK$123,228
+HK$6,171/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$234,114/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,329,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,350
−HK$8,049/mo
▼ 0.25% · 3.875%
HK$132,342
−HK$4,057/mo
Today · 4.125%
HK$136,399
baseline
▲ 0.50% · 4.625%
HK$144,698
+HK$8,299/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$272,798/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,788
−HK$7,714/mo
▼ 0.25% · 3.875%
HK$146,618
−HK$3,884/mo
Today · 4.125%
HK$150,502
baseline
▲ 0.50% · 4.625%
HK$158,436
+HK$7,934/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$301,004/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,012 · Scale 2, in force from 26 Feb 2026)