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$71,223
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,439
−HK$2,251/mo
Today · 4.125%
HK$75,690
baseline
▲ 0.50% · 4.625%
HK$80,295
+HK$4,605/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$151,380/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,235
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,360
−HK$2,156/mo
Today · 4.125%
HK$83,516
baseline
▲ 0.50% · 4.625%
HK$87,918
+HK$4,402/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$167,032/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,468
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$88,126
−HK$2,701/mo
Today · 4.125%
HK$90,827
baseline
▲ 0.50% · 4.625%
HK$96,354
+HK$5,527/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$181,654/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,082
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,632
−HK$2,587/mo
Today · 4.125%
HK$100,219
baseline
▲ 0.50% · 4.625%
HK$105,502
+HK$5,283/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$200,438/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,713
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$102,814
−HK$3,151/mo
Today · 4.125%
HK$105,965
baseline
▲ 0.50% · 4.625%
HK$112,413
+HK$6,448/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$211,930/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,929
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$113,904
−HK$3,018/mo
Today · 4.125%
HK$116,922
baseline
▲ 0.50% · 4.625%
HK$123,085
+HK$6,163/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$233,844/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,202
−HK$8,039/mo
▼ 0.25% · 3.875%
HK$132,190
−HK$4,051/mo
Today · 4.125%
HK$136,241
baseline
▲ 0.50% · 4.625%
HK$144,531
+HK$8,290/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$272,482/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,623
−HK$7,706/mo
▼ 0.25% · 3.875%
HK$146,448
−HK$3,881/mo
Today · 4.125%
HK$150,329
baseline
▲ 0.50% · 4.625%
HK$158,253
+HK$7,924/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$300,658/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,477 · Scale 2, in force from 26 Feb 2026)