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$71,532
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,757
−HK$2,260/mo
Today · 4.125%
HK$76,017
baseline
▲ 0.50% · 4.625%
HK$80,643
+HK$4,626/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,034/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,578
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,712
−HK$2,166/mo
Today · 4.125%
HK$83,878
baseline
▲ 0.50% · 4.625%
HK$88,299
+HK$4,421/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,756/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,838
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,508
−HK$2,713/mo
Today · 4.125%
HK$91,221
baseline
▲ 0.50% · 4.625%
HK$96,771
+HK$5,550/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$182,442/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,494
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,055
−HK$2,598/mo
Today · 4.125%
HK$100,653
baseline
▲ 0.50% · 4.625%
HK$105,959
+HK$5,306/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$201,306/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,144
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$103,259
−HK$3,165/mo
Today · 4.125%
HK$106,424
baseline
▲ 0.50% · 4.625%
HK$112,900
+HK$6,476/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$212,848/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,333,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,410
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$114,397
−HK$3,032/mo
Today · 4.125%
HK$117,429
baseline
▲ 0.50% · 4.625%
HK$123,618
+HK$6,189/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$234,858/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,333,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,757
−HK$8,074/mo
▼ 0.25% · 3.875%
HK$132,762
−HK$4,069/mo
Today · 4.125%
HK$136,831
baseline
▲ 0.50% · 4.625%
HK$145,157
+HK$8,326/mo
Deposit HK$3.14M · loan HK$28.23M · min. income ≈ HK$273,662/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,241
−HK$7,739/mo
▼ 0.25% · 3.875%
HK$147,082
−HK$3,898/mo
Today · 4.125%
HK$150,980
baseline
▲ 0.50% · 4.625%
HK$158,938
+HK$7,958/mo
Deposit HK$3.14M · loan HK$28.23M · min. income ≈ HK$301,960/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,226 · Scale 2, in force from 26 Feb 2026)