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$71,131
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,344
−HK$2,248/mo
Today · 4.125%
HK$75,592
baseline
▲ 0.50% · 4.625%
HK$80,191
+HK$4,599/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,184/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,133
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,255
−HK$2,153/mo
Today · 4.125%
HK$83,408
baseline
▲ 0.50% · 4.625%
HK$87,805
+HK$4,397/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,816/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,357
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,012
−HK$2,698/mo
Today · 4.125%
HK$90,710
baseline
▲ 0.50% · 4.625%
HK$96,230
+HK$5,520/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$181,420/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,959
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,506
−HK$2,584/mo
Today · 4.125%
HK$100,090
baseline
▲ 0.50% · 4.625%
HK$105,365
+HK$5,275/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$200,180/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,584
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$102,681
−HK$3,147/mo
Today · 4.125%
HK$105,828
baseline
▲ 0.50% · 4.625%
HK$112,268
+HK$6,440/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$211,656/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,786
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$113,757
−HK$3,014/mo
Today · 4.125%
HK$116,771
baseline
▲ 0.50% · 4.625%
HK$122,926
+HK$6,155/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$233,542/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,036
−HK$8,029/mo
▼ 0.25% · 3.875%
HK$132,019
−HK$4,046/mo
Today · 4.125%
HK$136,065
baseline
▲ 0.50% · 4.625%
HK$144,344
+HK$8,279/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$272,130/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,325,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,439
−HK$7,695/mo
▼ 0.25% · 3.875%
HK$146,259
−HK$3,875/mo
Today · 4.125%
HK$150,134
baseline
▲ 0.50% · 4.625%
HK$158,048
+HK$7,914/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$300,268/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,325,761 · Scale 2, in force from 26 Feb 2026)