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$71,229
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,444
−HK$2,251/mo
Today · 4.125%
HK$75,695
baseline
▲ 0.50% · 4.625%
HK$80,301
+HK$4,606/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$151,390/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,327,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,241
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,366
−HK$2,156/mo
Today · 4.125%
HK$83,522
baseline
▲ 0.50% · 4.625%
HK$87,925
+HK$4,403/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$167,044/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,327,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,474
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$88,133
−HK$2,701/mo
Today · 4.125%
HK$90,834
baseline
▲ 0.50% · 4.625%
HK$96,361
+HK$5,527/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$181,668/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,089
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,639
−HK$2,588/mo
Today · 4.125%
HK$100,227
baseline
▲ 0.50% · 4.625%
HK$105,510
+HK$5,283/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$200,454/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,720
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$102,822
−HK$3,151/mo
Today · 4.125%
HK$105,973
baseline
▲ 0.50% · 4.625%
HK$112,421
+HK$6,448/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$211,946/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,937
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$113,913
−HK$3,018/mo
Today · 4.125%
HK$116,931
baseline
▲ 0.50% · 4.625%
HK$123,095
+HK$6,164/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$233,862/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,211
−HK$8,040/mo
▼ 0.25% · 3.875%
HK$132,199
−HK$4,052/mo
Today · 4.125%
HK$136,251
baseline
▲ 0.50% · 4.625%
HK$144,542
+HK$8,291/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$272,502/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,634
−HK$7,706/mo
▼ 0.25% · 3.875%
HK$146,459
−HK$3,881/mo
Today · 4.125%
HK$150,340
baseline
▲ 0.50% · 4.625%
HK$158,264
+HK$7,924/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$300,680/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,576 · Scale 2, in force from 26 Feb 2026)