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$71,403
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,624
−HK$2,256/mo
Today · 4.125%
HK$75,880
baseline
▲ 0.50% · 4.625%
HK$80,498
+HK$4,618/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$151,760/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,330,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,435
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,565
−HK$2,162/mo
Today · 4.125%
HK$83,727
baseline
▲ 0.50% · 4.625%
HK$88,140
+HK$4,413/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$167,454/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,330,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,683
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,349
−HK$2,708/mo
Today · 4.125%
HK$91,057
baseline
▲ 0.50% · 4.625%
HK$96,597
+HK$5,540/mo
Deposit HK$12.53M · loan HK$18.79M · min. income ≈ HK$182,114/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,330,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,322
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$97,878
−HK$2,594/mo
Today · 4.125%
HK$100,472
baseline
▲ 0.50% · 4.625%
HK$105,768
+HK$5,296/mo
Deposit HK$12.53M · loan HK$18.79M · min. income ≈ HK$200,944/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,330,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,964
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$103,074
−HK$3,159/mo
Today · 4.125%
HK$106,233
baseline
▲ 0.50% · 4.625%
HK$112,697
+HK$6,464/mo
Deposit HK$9.39M · loan HK$21.92M · min. income ≈ HK$212,466/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,209
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$114,192
−HK$3,025/mo
Today · 4.125%
HK$117,217
baseline
▲ 0.50% · 4.625%
HK$123,396
+HK$6,179/mo
Deposit HK$9.39M · loan HK$21.92M · min. income ≈ HK$234,434/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,525
−HK$8,060/mo
▼ 0.25% · 3.875%
HK$132,523
−HK$4,062/mo
Today · 4.125%
HK$136,585
baseline
▲ 0.50% · 4.625%
HK$144,896
+HK$8,311/mo
Deposit HK$3.13M · loan HK$28.18M · min. income ≈ HK$273,170/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,983
−HK$7,725/mo
▼ 0.25% · 3.875%
HK$146,818
−HK$3,890/mo
Today · 4.125%
HK$150,708
baseline
▲ 0.50% · 4.625%
HK$158,652
+HK$7,944/mo
Deposit HK$3.13M · loan HK$28.18M · min. income ≈ HK$301,416/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,826 · Scale 2, in force from 26 Feb 2026)