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$71,281
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,498
−HK$2,253/mo
Today · 4.125%
HK$75,751
baseline
▲ 0.50% · 4.625%
HK$80,360
+HK$4,609/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$151,502/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,299
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,426
−HK$2,158/mo
Today · 4.125%
HK$83,584
baseline
▲ 0.50% · 4.625%
HK$87,989
+HK$4,405/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$167,168/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,537
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,198
−HK$2,703/mo
Today · 4.125%
HK$90,901
baseline
▲ 0.50% · 4.625%
HK$96,432
+HK$5,531/mo
Deposit HK$12.50M · loan HK$18.76M · min. income ≈ HK$181,802/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,159
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$97,711
−HK$2,589/mo
Today · 4.125%
HK$100,300
baseline
▲ 0.50% · 4.625%
HK$105,587
+HK$5,287/mo
Deposit HK$12.50M · loan HK$18.76M · min. income ≈ HK$200,600/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,793
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$102,897
−HK$3,154/mo
Today · 4.125%
HK$106,051
baseline
▲ 0.50% · 4.625%
HK$112,504
+HK$6,453/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$212,102/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,019
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$113,997
−HK$3,020/mo
Today · 4.125%
HK$117,017
baseline
▲ 0.50% · 4.625%
HK$123,185
+HK$6,168/mo
Deposit HK$9.38M · loan HK$21.88M · min. income ≈ HK$234,034/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,306
−HK$8,046/mo
▼ 0.25% · 3.875%
HK$132,297
−HK$4,055/mo
Today · 4.125%
HK$136,352
baseline
▲ 0.50% · 4.625%
HK$144,648
+HK$8,296/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$272,704/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,739
−HK$7,711/mo
▼ 0.25% · 3.875%
HK$146,567
−HK$3,883/mo
Today · 4.125%
HK$150,450
baseline
▲ 0.50% · 4.625%
HK$158,381
+HK$7,931/mo
Deposit HK$3.13M · loan HK$28.13M · min. income ≈ HK$300,900/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,552 · Scale 2, in force from 26 Feb 2026)