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$71,220
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,435
−HK$2,251/mo
Today · 4.125%
HK$75,686
baseline
▲ 0.50% · 4.625%
HK$80,291
+HK$4,605/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$151,372/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,231
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,356
−HK$2,156/mo
Today · 4.125%
HK$83,512
baseline
▲ 0.50% · 4.625%
HK$87,914
+HK$4,402/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$167,024/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,464
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$88,122
−HK$2,701/mo
Today · 4.125%
HK$90,823
baseline
▲ 0.50% · 4.625%
HK$96,349
+HK$5,526/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$181,646/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,077
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,627
−HK$2,587/mo
Today · 4.125%
HK$100,214
baseline
▲ 0.50% · 4.625%
HK$105,496
+HK$5,282/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$200,428/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,707
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,809
−HK$3,151/mo
Today · 4.125%
HK$105,960
baseline
▲ 0.50% · 4.625%
HK$112,407
+HK$6,447/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$211,920/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,924
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$113,898
−HK$3,018/mo
Today · 4.125%
HK$116,916
baseline
▲ 0.50% · 4.625%
HK$123,079
+HK$6,163/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$233,832/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,195
−HK$8,039/mo
▼ 0.25% · 3.875%
HK$132,183
−HK$4,051/mo
Today · 4.125%
HK$136,234
baseline
▲ 0.50% · 4.625%
HK$144,524
+HK$8,290/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$272,468/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,616
−HK$7,705/mo
▼ 0.25% · 3.875%
HK$146,441
−HK$3,880/mo
Today · 4.125%
HK$150,321
baseline
▲ 0.50% · 4.625%
HK$158,245
+HK$7,924/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$300,642/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,410 · Scale 2, in force from 26 Feb 2026)