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$70,882
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,087
−HK$2,240/mo
Today · 4.125%
HK$75,327
baseline
▲ 0.50% · 4.625%
HK$79,910
+HK$4,583/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$150,654/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,321,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,855
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,970
−HK$2,145/mo
Today · 4.125%
HK$83,115
baseline
▲ 0.50% · 4.625%
HK$87,497
+HK$4,382/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$166,230/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,321,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,058
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,704
−HK$2,688/mo
Today · 4.125%
HK$90,392
baseline
▲ 0.50% · 4.625%
HK$95,892
+HK$5,500/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$180,784/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,626
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,164
−HK$2,575/mo
Today · 4.125%
HK$99,739
baseline
▲ 0.50% · 4.625%
HK$104,996
+HK$5,257/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$199,478/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,234
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$102,321
−HK$3,136/mo
Today · 4.125%
HK$105,457
baseline
▲ 0.50% · 4.625%
HK$111,874
+HK$6,417/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$210,914/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,397
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$113,358
−HK$3,004/mo
Today · 4.125%
HK$116,362
baseline
▲ 0.50% · 4.625%
HK$122,495
+HK$6,133/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$232,724/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,587
−HK$8,001/mo
▼ 0.25% · 3.875%
HK$131,556
−HK$4,032/mo
Today · 4.125%
HK$135,588
baseline
▲ 0.50% · 4.625%
HK$143,838
+HK$8,250/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$271,176/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,939
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$145,746
−HK$3,862/mo
Today · 4.125%
HK$149,608
baseline
▲ 0.50% · 4.625%
HK$157,494
+HK$7,886/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$299,216/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,111 · Scale 2, in force from 26 Feb 2026)