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$71,540
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,766
−HK$2,261/mo
Today · 4.125%
HK$76,027
baseline
▲ 0.50% · 4.625%
HK$80,653
+HK$4,626/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,054/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,588
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,722
−HK$2,166/mo
Today · 4.125%
HK$83,888
baseline
▲ 0.50% · 4.625%
HK$88,310
+HK$4,422/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,776/mo (50% DSR)
Upfront cash ≈ HK$17.02M (deposit + AVD stamp duty HK$1,333,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,848
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$88,519
−HK$2,713/mo
Today · 4.125%
HK$91,232
baseline
▲ 0.50% · 4.625%
HK$96,783
+HK$5,551/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$182,464/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,506
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,067
−HK$2,598/mo
Today · 4.125%
HK$100,665
baseline
▲ 0.50% · 4.625%
HK$105,972
+HK$5,307/mo
Deposit HK$12.55M · loan HK$18.82M · min. income ≈ HK$201,330/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,333,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,157
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$103,272
−HK$3,165/mo
Today · 4.125%
HK$106,437
baseline
▲ 0.50% · 4.625%
HK$112,914
+HK$6,477/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$212,874/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,423
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$114,411
−HK$3,032/mo
Today · 4.125%
HK$117,443
baseline
▲ 0.50% · 4.625%
HK$123,634
+HK$6,191/mo
Deposit HK$9.41M · loan HK$21.96M · min. income ≈ HK$234,886/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,773
−HK$8,075/mo
▼ 0.25% · 3.875%
HK$132,778
−HK$4,070/mo
Today · 4.125%
HK$136,848
baseline
▲ 0.50% · 4.625%
HK$145,175
+HK$8,327/mo
Deposit HK$3.14M · loan HK$28.24M · min. income ≈ HK$273,696/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,258
−HK$7,740/mo
▼ 0.25% · 3.875%
HK$147,100
−HK$3,898/mo
Today · 4.125%
HK$150,998
baseline
▲ 0.50% · 4.625%
HK$158,957
+HK$7,959/mo
Deposit HK$3.14M · loan HK$28.24M · min. income ≈ HK$301,996/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,388 · Scale 2, in force from 26 Feb 2026)