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$71,142
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,355
−HK$2,248/mo
Today · 4.125%
HK$75,603
baseline
▲ 0.50% · 4.625%
HK$80,203
+HK$4,600/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,206/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,325,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,145
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,267
−HK$2,154/mo
Today · 4.125%
HK$83,421
baseline
▲ 0.50% · 4.625%
HK$87,818
+HK$4,397/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,842/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,325,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,370
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,026
−HK$2,698/mo
Today · 4.125%
HK$90,724
baseline
▲ 0.50% · 4.625%
HK$96,244
+HK$5,520/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$181,448/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,325,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,974
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,521
−HK$2,584/mo
Today · 4.125%
HK$100,105
baseline
▲ 0.50% · 4.625%
HK$105,381
+HK$5,276/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$200,210/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,325,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,599
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$102,697
−HK$3,147/mo
Today · 4.125%
HK$105,844
baseline
▲ 0.50% · 4.625%
HK$112,285
+HK$6,441/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$211,688/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,325,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,803
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$113,774
−HK$3,015/mo
Today · 4.125%
HK$116,789
baseline
▲ 0.50% · 4.625%
HK$122,945
+HK$6,156/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$233,578/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,325,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,055
−HK$8,031/mo
▼ 0.25% · 3.875%
HK$132,039
−HK$4,047/mo
Today · 4.125%
HK$136,086
baseline
▲ 0.50% · 4.625%
HK$144,366
+HK$8,280/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$272,172/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,325,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,460
−HK$7,697/mo
▼ 0.25% · 3.875%
HK$146,281
−HK$3,876/mo
Today · 4.125%
HK$150,157
baseline
▲ 0.50% · 4.625%
HK$158,072
+HK$7,915/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$300,314/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,325,961 · Scale 2, in force from 26 Feb 2026)