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$71,256
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,473
−HK$2,251/mo
Today · 4.125%
HK$75,724
baseline
▲ 0.50% · 4.625%
HK$80,332
+HK$4,608/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$151,448/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,328,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,272
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,398
−HK$2,157/mo
Today · 4.125%
HK$83,555
baseline
▲ 0.50% · 4.625%
HK$87,959
+HK$4,404/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$167,110/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,328,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,507
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$88,167
−HK$2,702/mo
Today · 4.125%
HK$90,869
baseline
▲ 0.50% · 4.625%
HK$96,399
+HK$5,530/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$181,738/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,126
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$97,677
−HK$2,588/mo
Today · 4.125%
HK$100,265
baseline
▲ 0.50% · 4.625%
HK$105,551
+HK$5,286/mo
Deposit HK$12.50M · loan HK$18.75M · min. income ≈ HK$200,530/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,328,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,759
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$102,862
−HK$3,152/mo
Today · 4.125%
HK$106,014
baseline
▲ 0.50% · 4.625%
HK$112,465
+HK$6,451/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$212,028/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,328,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,980
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,957
−HK$3,019/mo
Today · 4.125%
HK$116,976
baseline
▲ 0.50% · 4.625%
HK$123,142
+HK$6,166/mo
Deposit HK$9.37M · loan HK$21.87M · min. income ≈ HK$233,952/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,328,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,261
−HK$8,043/mo
▼ 0.25% · 3.875%
HK$132,251
−HK$4,053/mo
Today · 4.125%
HK$136,304
baseline
▲ 0.50% · 4.625%
HK$144,598
+HK$8,294/mo
Deposit HK$3.12M · loan HK$28.12M · min. income ≈ HK$272,608/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,689
−HK$7,709/mo
▼ 0.25% · 3.875%
HK$146,516
−HK$3,882/mo
Today · 4.125%
HK$150,398
baseline
▲ 0.50% · 4.625%
HK$158,326
+HK$7,928/mo
Deposit HK$3.12M · loan HK$28.12M · min. income ≈ HK$300,796/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,328,090 · Scale 2, in force from 26 Feb 2026)