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$71,268
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,485
−HK$2,252/mo
Today · 4.125%
HK$75,737
baseline
▲ 0.50% · 4.625%
HK$80,345
+HK$4,608/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$151,474/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,285
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,411
−HK$2,157/mo
Today · 4.125%
HK$83,568
baseline
▲ 0.50% · 4.625%
HK$87,973
+HK$4,405/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$167,136/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,521
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,181
−HK$2,703/mo
Today · 4.125%
HK$90,884
baseline
▲ 0.50% · 4.625%
HK$96,414
+HK$5,530/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$181,768/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,142
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,693
−HK$2,589/mo
Today · 4.125%
HK$100,282
baseline
▲ 0.50% · 4.625%
HK$105,568
+HK$5,286/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$200,564/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,775
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$102,878
−HK$3,154/mo
Today · 4.125%
HK$106,032
baseline
▲ 0.50% · 4.625%
HK$112,483
+HK$6,451/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$212,064/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,328,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,998
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$113,975
−HK$3,020/mo
Today · 4.125%
HK$116,995
baseline
▲ 0.50% · 4.625%
HK$123,162
+HK$6,167/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$233,990/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,328,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,282
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$132,272
−HK$4,054/mo
Today · 4.125%
HK$136,326
baseline
▲ 0.50% · 4.625%
HK$144,621
+HK$8,295/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$272,652/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,712
−HK$7,711/mo
▼ 0.25% · 3.875%
HK$146,540
−HK$3,883/mo
Today · 4.125%
HK$150,423
baseline
▲ 0.50% · 4.625%
HK$158,352
+HK$7,929/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$300,846/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,306 · Scale 2, in force from 26 Feb 2026)