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$71,044
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,254
−HK$2,245/mo
Today · 4.125%
HK$75,499
baseline
▲ 0.50% · 4.625%
HK$80,093
+HK$4,594/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$150,998/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,324,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,036
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,155
−HK$2,151/mo
Today · 4.125%
HK$83,306
baseline
▲ 0.50% · 4.625%
HK$87,697
+HK$4,391/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$166,612/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,324,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,253
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,905
−HK$2,694/mo
Today · 4.125%
HK$90,599
baseline
▲ 0.50% · 4.625%
HK$96,112
+HK$5,513/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$181,198/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,843
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,387
−HK$2,580/mo
Today · 4.125%
HK$99,967
baseline
▲ 0.50% · 4.625%
HK$105,236
+HK$5,269/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$199,934/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,462
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,555
−HK$3,144/mo
Today · 4.125%
HK$105,699
baseline
▲ 0.50% · 4.625%
HK$112,130
+HK$6,431/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$211,398/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,650
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,618
−HK$3,010/mo
Today · 4.125%
HK$116,628
baseline
▲ 0.50% · 4.625%
HK$122,776
+HK$6,148/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$233,256/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,879
−HK$8,019/mo
▼ 0.25% · 3.875%
HK$131,857
−HK$4,041/mo
Today · 4.125%
HK$135,898
baseline
▲ 0.50% · 4.625%
HK$144,168
+HK$8,270/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$271,796/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,264
−HK$7,686/mo
▼ 0.25% · 3.875%
HK$146,080
−HK$3,870/mo
Today · 4.125%
HK$149,950
baseline
▲ 0.50% · 4.625%
HK$157,855
+HK$7,905/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$299,900/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,137 · Scale 2, in force from 26 Feb 2026)