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$71,601
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,828
−HK$2,263/mo
Today · 4.125%
HK$76,091
baseline
▲ 0.50% · 4.625%
HK$80,721
+HK$4,630/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$152,182/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,655
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,792
−HK$2,167/mo
Today · 4.125%
HK$83,959
baseline
▲ 0.50% · 4.625%
HK$88,384
+HK$4,425/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$167,918/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,921
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,594
−HK$2,715/mo
Today · 4.125%
HK$91,309
baseline
▲ 0.50% · 4.625%
HK$96,865
+HK$5,556/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$182,618/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,586
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,150
−HK$2,601/mo
Today · 4.125%
HK$100,751
baseline
▲ 0.50% · 4.625%
HK$106,061
+HK$5,310/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$201,502/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,241
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$103,359
−HK$3,168/mo
Today · 4.125%
HK$106,527
baseline
▲ 0.50% · 4.625%
HK$113,009
+HK$6,482/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$213,054/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,517
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$114,508
−HK$3,034/mo
Today · 4.125%
HK$117,542
baseline
▲ 0.50% · 4.625%
HK$123,738
+HK$6,196/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$235,084/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,882
−HK$8,082/mo
▼ 0.25% · 3.875%
HK$132,891
−HK$4,073/mo
Today · 4.125%
HK$136,964
baseline
▲ 0.50% · 4.625%
HK$145,298
+HK$8,334/mo
Deposit HK$3.14M · loan HK$28.26M · min. income ≈ HK$273,928/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,380
−HK$7,746/mo
▼ 0.25% · 3.875%
HK$147,225
−HK$3,901/mo
Today · 4.125%
HK$151,126
baseline
▲ 0.50% · 4.625%
HK$159,092
+HK$7,966/mo
Deposit HK$3.14M · loan HK$28.26M · min. income ≈ HK$302,252/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,517 · Scale 2, in force from 26 Feb 2026)