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$71,418
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,639
−HK$2,257/mo
Today · 4.125%
HK$75,896
baseline
▲ 0.50% · 4.625%
HK$80,514
+HK$4,618/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$151,792/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,331,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,451
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,582
−HK$2,162/mo
Today · 4.125%
HK$83,744
baseline
▲ 0.50% · 4.625%
HK$88,158
+HK$4,414/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$167,488/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,331,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,701
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,367
−HK$2,708/mo
Today · 4.125%
HK$91,075
baseline
▲ 0.50% · 4.625%
HK$96,617
+HK$5,542/mo
Deposit HK$12.53M · loan HK$18.79M · min. income ≈ HK$182,150/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,342
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,899
−HK$2,594/mo
Today · 4.125%
HK$100,493
baseline
▲ 0.50% · 4.625%
HK$105,790
+HK$5,297/mo
Deposit HK$12.53M · loan HK$18.79M · min. income ≈ HK$200,986/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,331,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,985
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$103,095
−HK$3,159/mo
Today · 4.125%
HK$106,254
baseline
▲ 0.50% · 4.625%
HK$112,720
+HK$6,466/mo
Deposit HK$9.40M · loan HK$21.92M · min. income ≈ HK$212,508/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,232
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$114,215
−HK$3,026/mo
Today · 4.125%
HK$117,241
baseline
▲ 0.50% · 4.625%
HK$123,421
+HK$6,180/mo
Deposit HK$9.40M · loan HK$21.92M · min. income ≈ HK$234,482/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,331,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,552
−HK$8,061/mo
▼ 0.25% · 3.875%
HK$132,550
−HK$4,063/mo
Today · 4.125%
HK$136,613
baseline
▲ 0.50% · 4.625%
HK$144,925
+HK$8,312/mo
Deposit HK$3.13M · loan HK$28.19M · min. income ≈ HK$273,226/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,012
−HK$7,727/mo
▼ 0.25% · 3.875%
HK$146,848
−HK$3,891/mo
Today · 4.125%
HK$150,739
baseline
▲ 0.50% · 4.625%
HK$158,684
+HK$7,945/mo
Deposit HK$3.13M · loan HK$28.19M · min. income ≈ HK$301,478/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,331,098 · Scale 2, in force from 26 Feb 2026)