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$71,828
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,063
−HK$2,270/mo
Today · 4.125%
HK$76,333
baseline
▲ 0.50% · 4.625%
HK$80,977
+HK$4,644/mo
Deposit HK$15.75M · loan HK$15.75M · min. income ≈ HK$152,666/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,338,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,908
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,052
−HK$2,174/mo
Today · 4.125%
HK$84,226
baseline
▲ 0.50% · 4.625%
HK$88,665
+HK$4,439/mo
Deposit HK$15.75M · loan HK$15.75M · min. income ≈ HK$168,452/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,338,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,194
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$88,875
−HK$2,724/mo
Today · 4.125%
HK$91,599
baseline
▲ 0.50% · 4.625%
HK$97,173
+HK$5,574/mo
Deposit HK$12.60M · loan HK$18.90M · min. income ≈ HK$183,198/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,338,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,890
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$98,462
−HK$2,609/mo
Today · 4.125%
HK$101,071
baseline
▲ 0.50% · 4.625%
HK$106,398
+HK$5,327/mo
Deposit HK$12.60M · loan HK$18.90M · min. income ≈ HK$202,142/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,338,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,560
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$103,688
−HK$3,178/mo
Today · 4.125%
HK$106,866
baseline
▲ 0.50% · 4.625%
HK$113,368
+HK$6,502/mo
Deposit HK$9.45M · loan HK$22.05M · min. income ≈ HK$213,732/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,338,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,872
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$114,872
−HK$3,044/mo
Today · 4.125%
HK$117,916
baseline
▲ 0.50% · 4.625%
HK$124,131
+HK$6,215/mo
Deposit HK$9.45M · loan HK$22.05M · min. income ≈ HK$235,832/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,338,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,291
−HK$8,108/mo
▼ 0.25% · 3.875%
HK$133,313
−HK$4,086/mo
Today · 4.125%
HK$137,399
baseline
▲ 0.50% · 4.625%
HK$145,759
+HK$8,360/mo
Deposit HK$3.15M · loan HK$28.35M · min. income ≈ HK$274,798/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,835
−HK$7,771/mo
▼ 0.25% · 3.875%
HK$147,693
−HK$3,913/mo
Today · 4.125%
HK$151,606
baseline
▲ 0.50% · 4.625%
HK$159,597
+HK$7,991/mo
Deposit HK$3.15M · loan HK$28.35M · min. income ≈ HK$303,212/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,757 · Scale 2, in force from 26 Feb 2026)