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$71,559
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,785
−HK$2,262/mo
Today · 4.125%
HK$76,047
baseline
▲ 0.50% · 4.625%
HK$80,674
+HK$4,627/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,094/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,609
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,744
−HK$2,166/mo
Today · 4.125%
HK$83,910
baseline
▲ 0.50% · 4.625%
HK$88,333
+HK$4,423/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,820/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,871
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$88,542
−HK$2,714/mo
Today · 4.125%
HK$91,256
baseline
▲ 0.50% · 4.625%
HK$96,809
+HK$5,553/mo
Deposit HK$12.55M · loan HK$18.83M · min. income ≈ HK$182,512/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,333,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,531
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,093
−HK$2,599/mo
Today · 4.125%
HK$100,692
baseline
▲ 0.50% · 4.625%
HK$106,000
+HK$5,308/mo
Deposit HK$12.55M · loan HK$18.83M · min. income ≈ HK$201,384/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,333,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,183
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,299
−HK$3,167/mo
Today · 4.125%
HK$106,466
baseline
▲ 0.50% · 4.625%
HK$112,944
+HK$6,478/mo
Deposit HK$9.41M · loan HK$21.97M · min. income ≈ HK$212,932/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,453
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$114,442
−HK$3,032/mo
Today · 4.125%
HK$117,474
baseline
▲ 0.50% · 4.625%
HK$123,667
+HK$6,193/mo
Deposit HK$9.41M · loan HK$21.97M · min. income ≈ HK$234,948/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,807
−HK$8,077/mo
▼ 0.25% · 3.875%
HK$132,814
−HK$4,070/mo
Today · 4.125%
HK$136,884
baseline
▲ 0.50% · 4.625%
HK$145,213
+HK$8,329/mo
Deposit HK$3.14M · loan HK$28.24M · min. income ≈ HK$273,768/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,296
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$147,140
−HK$3,898/mo
Today · 4.125%
HK$151,038
baseline
▲ 0.50% · 4.625%
HK$159,000
+HK$7,962/mo
Deposit HK$3.14M · loan HK$28.24M · min. income ≈ HK$302,076/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,744 · Scale 2, in force from 26 Feb 2026)