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$71,340
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,559
−HK$2,255/mo
Today · 4.125%
HK$75,814
baseline
▲ 0.50% · 4.625%
HK$80,427
+HK$4,613/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,628/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,365
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,494
−HK$2,159/mo
Today · 4.125%
HK$83,653
baseline
▲ 0.50% · 4.625%
HK$88,062
+HK$4,409/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,306/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,608
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$88,271
−HK$2,706/mo
Today · 4.125%
HK$90,977
baseline
▲ 0.50% · 4.625%
HK$96,512
+HK$5,535/mo
Deposit HK$12.51M · loan HK$18.77M · min. income ≈ HK$181,954/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,238
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$97,792
−HK$2,592/mo
Today · 4.125%
HK$100,384
baseline
▲ 0.50% · 4.625%
HK$105,675
+HK$5,291/mo
Deposit HK$12.51M · loan HK$18.77M · min. income ≈ HK$200,768/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,876
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,983
−HK$3,156/mo
Today · 4.125%
HK$106,139
baseline
▲ 0.50% · 4.625%
HK$112,598
+HK$6,459/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$212,278/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,111
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,091
−HK$3,023/mo
Today · 4.125%
HK$117,114
baseline
▲ 0.50% · 4.625%
HK$123,287
+HK$6,173/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$234,228/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,412
−HK$8,053/mo
▼ 0.25% · 3.875%
HK$132,407
−HK$4,058/mo
Today · 4.125%
HK$136,465
baseline
▲ 0.50% · 4.625%
HK$144,768
+HK$8,303/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$272,930/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,857
−HK$7,718/mo
▼ 0.25% · 3.875%
HK$146,689
−HK$3,886/mo
Today · 4.125%
HK$150,575
baseline
▲ 0.50% · 4.625%
HK$158,512
+HK$7,937/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$301,150/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,656 · Scale 2, in force from 26 Feb 2026)