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$71,387
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,608
−HK$2,256/mo
Today · 4.125%
HK$75,864
baseline
▲ 0.50% · 4.625%
HK$80,480
+HK$4,616/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$151,728/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,418
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,548
−HK$2,160/mo
Today · 4.125%
HK$83,708
baseline
▲ 0.50% · 4.625%
HK$88,121
+HK$4,413/mo
Deposit HK$15.65M · loan HK$15.65M · min. income ≈ HK$167,416/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,330,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,665
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$88,330
−HK$2,707/mo
Today · 4.125%
HK$91,037
baseline
▲ 0.50% · 4.625%
HK$96,576
+HK$5,539/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$182,074/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,301
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,857
−HK$2,593/mo
Today · 4.125%
HK$100,450
baseline
▲ 0.50% · 4.625%
HK$105,745
+HK$5,295/mo
Deposit HK$12.52M · loan HK$18.78M · min. income ≈ HK$200,900/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,330,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,942
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$103,051
−HK$3,159/mo
Today · 4.125%
HK$106,210
baseline
▲ 0.50% · 4.625%
HK$112,672
+HK$6,462/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$212,420/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,185
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$114,167
−HK$3,025/mo
Today · 4.125%
HK$117,192
baseline
▲ 0.50% · 4.625%
HK$123,369
+HK$6,177/mo
Deposit HK$9.39M · loan HK$21.91M · min. income ≈ HK$234,384/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,497
−HK$8,058/mo
▼ 0.25% · 3.875%
HK$132,494
−HK$4,061/mo
Today · 4.125%
HK$136,555
baseline
▲ 0.50% · 4.625%
HK$144,864
+HK$8,309/mo
Deposit HK$3.13M · loan HK$28.18M · min. income ≈ HK$273,110/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,952
−HK$7,723/mo
▼ 0.25% · 3.875%
HK$146,786
−HK$3,889/mo
Today · 4.125%
HK$150,675
baseline
▲ 0.50% · 4.625%
HK$158,617
+HK$7,942/mo
Deposit HK$3.13M · loan HK$28.18M · min. income ≈ HK$301,350/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,536 · Scale 2, in force from 26 Feb 2026)