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$71,489
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,713
−HK$2,259/mo
Today · 4.125%
HK$75,972
baseline
▲ 0.50% · 4.625%
HK$80,595
+HK$4,623/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$151,944/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,531
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,664
−HK$2,164/mo
Today · 4.125%
HK$83,828
baseline
▲ 0.50% · 4.625%
HK$88,247
+HK$4,419/mo
Deposit HK$15.68M · loan HK$15.68M · min. income ≈ HK$167,656/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,787
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,456
−HK$2,711/mo
Today · 4.125%
HK$91,167
baseline
▲ 0.50% · 4.625%
HK$96,714
+HK$5,547/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$182,334/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,437
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$97,997
−HK$2,596/mo
Today · 4.125%
HK$100,593
baseline
▲ 0.50% · 4.625%
HK$105,896
+HK$5,303/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$201,186/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,085
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,198
−HK$3,163/mo
Today · 4.125%
HK$106,361
baseline
▲ 0.50% · 4.625%
HK$112,833
+HK$6,472/mo
Deposit HK$9.41M · loan HK$21.95M · min. income ≈ HK$212,722/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,344
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$114,330
−HK$3,029/mo
Today · 4.125%
HK$117,359
baseline
▲ 0.50% · 4.625%
HK$123,545
+HK$6,186/mo
Deposit HK$9.41M · loan HK$21.95M · min. income ≈ HK$234,718/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,681
−HK$8,069/mo
▼ 0.25% · 3.875%
HK$132,683
−HK$4,067/mo
Today · 4.125%
HK$136,750
baseline
▲ 0.50% · 4.625%
HK$145,071
+HK$8,321/mo
Deposit HK$3.14M · loan HK$28.22M · min. income ≈ HK$273,500/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,156
−HK$7,734/mo
▼ 0.25% · 3.875%
HK$146,995
−HK$3,895/mo
Today · 4.125%
HK$150,890
baseline
▲ 0.50% · 4.625%
HK$158,844
+HK$7,954/mo
Deposit HK$3.14M · loan HK$28.22M · min. income ≈ HK$301,780/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,436 · Scale 2, in force from 26 Feb 2026)