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$71,569
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,795
−HK$2,261/mo
Today · 4.125%
HK$76,056
baseline
▲ 0.50% · 4.625%
HK$80,684
+HK$4,628/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$152,112/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,333,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,619
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,755
−HK$2,166/mo
Today · 4.125%
HK$83,921
baseline
▲ 0.50% · 4.625%
HK$88,344
+HK$4,423/mo
Deposit HK$15.69M · loan HK$15.69M · min. income ≈ HK$167,842/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,333,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,882
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,554
−HK$2,714/mo
Today · 4.125%
HK$91,268
baseline
▲ 0.50% · 4.625%
HK$96,821
+HK$5,553/mo
Deposit HK$12.55M · loan HK$18.83M · min. income ≈ HK$182,536/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,333,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,543
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,106
−HK$2,599/mo
Today · 4.125%
HK$100,705
baseline
▲ 0.50% · 4.625%
HK$106,013
+HK$5,308/mo
Deposit HK$12.55M · loan HK$18.83M · min. income ≈ HK$201,410/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,333,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,196
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,313
−HK$3,166/mo
Today · 4.125%
HK$106,479
baseline
▲ 0.50% · 4.625%
HK$112,958
+HK$6,479/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$212,958/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,467
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,456
−HK$3,033/mo
Today · 4.125%
HK$117,489
baseline
▲ 0.50% · 4.625%
HK$123,682
+HK$6,193/mo
Deposit HK$9.42M · loan HK$21.97M · min. income ≈ HK$234,978/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,333,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,823
−HK$8,079/mo
▼ 0.25% · 3.875%
HK$132,830
−HK$4,072/mo
Today · 4.125%
HK$136,902
baseline
▲ 0.50% · 4.625%
HK$145,232
+HK$8,330/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$273,804/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,315
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$147,158
−HK$3,899/mo
Today · 4.125%
HK$151,057
baseline
▲ 0.50% · 4.625%
HK$159,020
+HK$7,963/mo
Deposit HK$3.14M · loan HK$28.25M · min. income ≈ HK$302,114/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,333,912 · Scale 2, in force from 26 Feb 2026)