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$71,613
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,840
−HK$2,264/mo
Today · 4.125%
HK$76,104
baseline
▲ 0.50% · 4.625%
HK$80,734
+HK$4,630/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$152,208/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,669
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,805
−HK$2,168/mo
Today · 4.125%
HK$83,973
baseline
▲ 0.50% · 4.625%
HK$88,399
+HK$4,426/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$167,946/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,334,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,935
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,608
−HK$2,716/mo
Today · 4.125%
HK$91,324
baseline
▲ 0.50% · 4.625%
HK$96,881
+HK$5,557/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$182,648/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,602
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,166
−HK$2,601/mo
Today · 4.125%
HK$100,767
baseline
▲ 0.50% · 4.625%
HK$106,079
+HK$5,312/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$201,534/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,334,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,258
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$103,377
−HK$3,168/mo
Today · 4.125%
HK$106,545
baseline
▲ 0.50% · 4.625%
HK$113,028
+HK$6,483/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$213,090/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,536
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$114,527
−HK$3,035/mo
Today · 4.125%
HK$117,562
baseline
▲ 0.50% · 4.625%
HK$123,759
+HK$6,197/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$235,124/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,334,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,903
−HK$8,083/mo
▼ 0.25% · 3.875%
HK$132,913
−HK$4,073/mo
Today · 4.125%
HK$136,986
baseline
▲ 0.50% · 4.625%
HK$145,322
+HK$8,336/mo
Deposit HK$3.14M · loan HK$28.27M · min. income ≈ HK$273,972/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,334,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,403
−HK$7,748/mo
▼ 0.25% · 3.875%
HK$147,249
−HK$3,902/mo
Today · 4.125%
HK$151,151
baseline
▲ 0.50% · 4.625%
HK$159,118
+HK$7,967/mo
Deposit HK$3.14M · loan HK$28.27M · min. income ≈ HK$302,302/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,334,739 · Scale 2, in force from 26 Feb 2026)