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$71,623
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,850
−HK$2,264/mo
Today · 4.125%
HK$76,114
baseline
▲ 0.50% · 4.625%
HK$80,745
+HK$4,631/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$152,228/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,679
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,816
−HK$2,168/mo
Today · 4.125%
HK$83,984
baseline
▲ 0.50% · 4.625%
HK$88,411
+HK$4,427/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$167,968/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,947
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,621
−HK$2,716/mo
Today · 4.125%
HK$91,337
baseline
▲ 0.50% · 4.625%
HK$96,894
+HK$5,557/mo
Deposit HK$12.56M · loan HK$18.85M · min. income ≈ HK$182,674/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,615
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,180
−HK$2,601/mo
Today · 4.125%
HK$100,781
baseline
▲ 0.50% · 4.625%
HK$106,093
+HK$5,312/mo
Deposit HK$12.56M · loan HK$18.85M · min. income ≈ HK$201,562/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,272
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$103,391
−HK$3,169/mo
Today · 4.125%
HK$106,560
baseline
▲ 0.50% · 4.625%
HK$113,043
+HK$6,483/mo
Deposit HK$9.42M · loan HK$21.99M · min. income ≈ HK$213,120/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,551
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$114,543
−HK$3,035/mo
Today · 4.125%
HK$117,578
baseline
▲ 0.50% · 4.625%
HK$123,776
+HK$6,198/mo
Deposit HK$9.42M · loan HK$21.99M · min. income ≈ HK$235,156/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,921
−HK$8,084/mo
▼ 0.25% · 3.875%
HK$132,931
−HK$4,074/mo
Today · 4.125%
HK$137,005
baseline
▲ 0.50% · 4.625%
HK$145,342
+HK$8,337/mo
Deposit HK$3.14M · loan HK$28.27M · min. income ≈ HK$274,010/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,334,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,423
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$147,270
−HK$3,902/mo
Today · 4.125%
HK$151,172
baseline
▲ 0.50% · 4.625%
HK$159,140
+HK$7,968/mo
Deposit HK$3.14M · loan HK$28.27M · min. income ≈ HK$302,344/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,334,921 · Scale 2, in force from 26 Feb 2026)