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$71,412
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,633
−HK$2,257/mo
Today · 4.125%
HK$75,890
baseline
▲ 0.50% · 4.625%
HK$80,508
+HK$4,618/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$151,780/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,330,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,445
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,576
−HK$2,161/mo
Today · 4.125%
HK$83,737
baseline
▲ 0.50% · 4.625%
HK$88,151
+HK$4,414/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$167,474/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,330,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,694
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,360
−HK$2,708/mo
Today · 4.125%
HK$91,068
baseline
▲ 0.50% · 4.625%
HK$96,609
+HK$5,541/mo
Deposit HK$12.53M · loan HK$18.79M · min. income ≈ HK$182,136/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,330,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,334
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$97,891
−HK$2,593/mo
Today · 4.125%
HK$100,484
baseline
▲ 0.50% · 4.625%
HK$105,781
+HK$5,297/mo
Deposit HK$12.53M · loan HK$18.79M · min. income ≈ HK$200,968/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,330,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,976
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$103,086
−HK$3,160/mo
Today · 4.125%
HK$106,246
baseline
▲ 0.50% · 4.625%
HK$112,711
+HK$6,465/mo
Deposit HK$9.40M · loan HK$21.92M · min. income ≈ HK$212,492/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,330,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,223
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$114,206
−HK$3,026/mo
Today · 4.125%
HK$117,232
baseline
▲ 0.50% · 4.625%
HK$123,411
+HK$6,179/mo
Deposit HK$9.40M · loan HK$21.92M · min. income ≈ HK$234,464/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,330,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,541
−HK$8,061/mo
▼ 0.25% · 3.875%
HK$132,539
−HK$4,063/mo
Today · 4.125%
HK$136,602
baseline
▲ 0.50% · 4.625%
HK$144,914
+HK$8,312/mo
Deposit HK$3.13M · loan HK$28.19M · min. income ≈ HK$273,204/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,001
−HK$7,726/mo
▼ 0.25% · 3.875%
HK$146,836
−HK$3,891/mo
Today · 4.125%
HK$150,727
baseline
▲ 0.50% · 4.625%
HK$158,672
+HK$7,945/mo
Deposit HK$3.13M · loan HK$28.19M · min. income ≈ HK$301,454/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,991 · Scale 2, in force from 26 Feb 2026)