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$71,407
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,628
−HK$2,257/mo
Today · 4.125%
HK$75,885
baseline
▲ 0.50% · 4.625%
HK$80,502
+HK$4,617/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$151,770/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,330,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,440
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,570
−HK$2,161/mo
Today · 4.125%
HK$83,731
baseline
▲ 0.50% · 4.625%
HK$88,145
+HK$4,414/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$167,462/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,330,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,688
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,354
−HK$2,708/mo
Today · 4.125%
HK$91,062
baseline
▲ 0.50% · 4.625%
HK$96,603
+HK$5,541/mo
Deposit HK$12.53M · loan HK$18.79M · min. income ≈ HK$182,124/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,330,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,328
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$97,884
−HK$2,594/mo
Today · 4.125%
HK$100,478
baseline
▲ 0.50% · 4.625%
HK$105,774
+HK$5,296/mo
Deposit HK$12.53M · loan HK$18.79M · min. income ≈ HK$200,956/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,330,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,970
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$103,079
−HK$3,160/mo
Today · 4.125%
HK$106,239
baseline
▲ 0.50% · 4.625%
HK$112,703
+HK$6,464/mo
Deposit HK$9.39M · loan HK$21.92M · min. income ≈ HK$212,478/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,330,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,215
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$114,198
−HK$3,026/mo
Today · 4.125%
HK$117,224
baseline
▲ 0.50% · 4.625%
HK$123,403
+HK$6,179/mo
Deposit HK$9.39M · loan HK$21.92M · min. income ≈ HK$234,448/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,330,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,533
−HK$8,060/mo
▼ 0.25% · 3.875%
HK$132,531
−HK$4,062/mo
Today · 4.125%
HK$136,593
baseline
▲ 0.50% · 4.625%
HK$144,904
+HK$8,311/mo
Deposit HK$3.13M · loan HK$28.18M · min. income ≈ HK$273,186/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,991
−HK$7,726/mo
▼ 0.25% · 3.875%
HK$146,826
−HK$3,891/mo
Today · 4.125%
HK$150,717
baseline
▲ 0.50% · 4.625%
HK$158,661
+HK$7,944/mo
Deposit HK$3.13M · loan HK$28.18M · min. income ≈ HK$301,434/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,903 · Scale 2, in force from 26 Feb 2026)