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$71,383
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,604
−HK$2,255/mo
Today · 4.125%
HK$75,859
baseline
▲ 0.50% · 4.625%
HK$80,475
+HK$4,616/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$151,718/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,413
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,543
−HK$2,160/mo
Today · 4.125%
HK$83,703
baseline
▲ 0.50% · 4.625%
HK$88,116
+HK$4,413/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$167,406/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,660
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,324
−HK$2,707/mo
Today · 4.125%
HK$91,031
baseline
▲ 0.50% · 4.625%
HK$96,570
+HK$5,539/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$182,062/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,296
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,851
−HK$2,593/mo
Today · 4.125%
HK$100,444
baseline
▲ 0.50% · 4.625%
HK$105,739
+HK$5,295/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$200,888/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,936
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$103,045
−HK$3,158/mo
Today · 4.125%
HK$106,203
baseline
▲ 0.50% · 4.625%
HK$112,665
+HK$6,462/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$212,406/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,178
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$114,160
−HK$3,025/mo
Today · 4.125%
HK$117,185
baseline
▲ 0.50% · 4.625%
HK$123,362
+HK$6,177/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$234,370/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,490
−HK$8,057/mo
▼ 0.25% · 3.875%
HK$132,486
−HK$4,061/mo
Today · 4.125%
HK$136,547
baseline
▲ 0.50% · 4.625%
HK$144,856
+HK$8,309/mo
Deposit HK$3.13M · loan HK$28.17M · min. income ≈ HK$273,094/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,943
−HK$7,723/mo
▼ 0.25% · 3.875%
HK$146,777
−HK$3,889/mo
Today · 4.125%
HK$150,666
baseline
▲ 0.50% · 4.625%
HK$158,608
+HK$7,942/mo
Deposit HK$3.13M · loan HK$28.17M · min. income ≈ HK$301,332/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,457 · Scale 2, in force from 26 Feb 2026)