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$71,275
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,492
−HK$2,253/mo
Today · 4.125%
HK$75,745
baseline
▲ 0.50% · 4.625%
HK$80,354
+HK$4,609/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$151,490/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,293
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,419
−HK$2,158/mo
Today · 4.125%
HK$83,577
baseline
▲ 0.50% · 4.625%
HK$87,982
+HK$4,405/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$167,154/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,530
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,191
−HK$2,703/mo
Today · 4.125%
HK$90,894
baseline
▲ 0.50% · 4.625%
HK$96,424
+HK$5,530/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$181,788/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,151
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$97,703
−HK$2,589/mo
Today · 4.125%
HK$100,292
baseline
▲ 0.50% · 4.625%
HK$105,579
+HK$5,287/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$200,584/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,785
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$102,889
−HK$3,154/mo
Today · 4.125%
HK$106,043
baseline
▲ 0.50% · 4.625%
HK$112,495
+HK$6,452/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$212,086/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,010
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$113,987
−HK$3,020/mo
Today · 4.125%
HK$117,007
baseline
▲ 0.50% · 4.625%
HK$123,175
+HK$6,168/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$234,014/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,295
−HK$8,045/mo
▼ 0.25% · 3.875%
HK$132,286
−HK$4,054/mo
Today · 4.125%
HK$136,340
baseline
▲ 0.50% · 4.625%
HK$144,636
+HK$8,296/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$272,680/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,727
−HK$7,711/mo
▼ 0.25% · 3.875%
HK$146,555
−HK$3,883/mo
Today · 4.125%
HK$150,438
baseline
▲ 0.50% · 4.625%
HK$158,368
+HK$7,930/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$300,876/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,443 · Scale 2, in force from 26 Feb 2026)