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$71,110
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,322
−HK$2,247/mo
Today · 4.125%
HK$75,569
baseline
▲ 0.50% · 4.625%
HK$80,167
+HK$4,598/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,138/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,109
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,230
−HK$2,153/mo
Today · 4.125%
HK$83,383
baseline
▲ 0.50% · 4.625%
HK$87,778
+HK$4,395/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,766/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,332
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,986
−HK$2,697/mo
Today · 4.125%
HK$90,683
baseline
▲ 0.50% · 4.625%
HK$96,200
+HK$5,517/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$181,366/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,931
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,476
−HK$2,583/mo
Today · 4.125%
HK$100,059
baseline
▲ 0.50% · 4.625%
HK$105,334
+HK$5,275/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$200,118/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,553
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$102,650
−HK$3,146/mo
Today · 4.125%
HK$105,796
baseline
▲ 0.50% · 4.625%
HK$112,234
+HK$6,438/mo
Deposit HK$9.36M · loan HK$21.83M · min. income ≈ HK$211,592/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,752
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$113,723
−HK$3,013/mo
Today · 4.125%
HK$116,736
baseline
▲ 0.50% · 4.625%
HK$122,889
+HK$6,153/mo
Deposit HK$9.36M · loan HK$21.83M · min. income ≈ HK$233,472/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,997
−HK$8,027/mo
▼ 0.25% · 3.875%
HK$131,979
−HK$4,045/mo
Today · 4.125%
HK$136,024
baseline
▲ 0.50% · 4.625%
HK$144,301
+HK$8,277/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$272,048/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,396
−HK$7,693/mo
▼ 0.25% · 3.875%
HK$146,215
−HK$3,874/mo
Today · 4.125%
HK$150,089
baseline
▲ 0.50% · 4.625%
HK$158,000
+HK$7,911/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$300,178/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,360 · Scale 2, in force from 26 Feb 2026)