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$71,732
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,963
−HK$2,267/mo
Today · 4.125%
HK$76,230
baseline
▲ 0.50% · 4.625%
HK$80,868
+HK$4,638/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$152,460/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,336,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,801
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,941
−HK$2,171/mo
Today · 4.125%
HK$84,112
baseline
▲ 0.50% · 4.625%
HK$88,546
+HK$4,434/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$168,224/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,336,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,078
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,755
−HK$2,721/mo
Today · 4.125%
HK$91,476
baseline
▲ 0.50% · 4.625%
HK$97,042
+HK$5,566/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$182,952/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,761
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,329
−HK$2,605/mo
Today · 4.125%
HK$100,934
baseline
▲ 0.50% · 4.625%
HK$106,255
+HK$5,321/mo
Deposit HK$12.58M · loan HK$18.87M · min. income ≈ HK$201,868/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,336,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,424
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$103,548
−HK$3,174/mo
Today · 4.125%
HK$106,722
baseline
▲ 0.50% · 4.625%
HK$113,215
+HK$6,493/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$213,444/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,721
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$114,717
−HK$3,040/mo
Today · 4.125%
HK$117,757
baseline
▲ 0.50% · 4.625%
HK$123,964
+HK$6,207/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$235,514/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,336,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,117
−HK$8,097/mo
▼ 0.25% · 3.875%
HK$133,133
−HK$4,081/mo
Today · 4.125%
HK$137,214
baseline
▲ 0.50% · 4.625%
HK$145,563
+HK$8,349/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$274,428/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,641
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$147,494
−HK$3,908/mo
Today · 4.125%
HK$151,402
baseline
▲ 0.50% · 4.625%
HK$159,382
+HK$7,980/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$302,804/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,336,951 · Scale 2, in force from 26 Feb 2026)