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$70,873
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,077
−HK$2,240/mo
Today · 4.125%
HK$75,317
baseline
▲ 0.50% · 4.625%
HK$79,900
+HK$4,583/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$150,634/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,845
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,960
−HK$2,145/mo
Today · 4.125%
HK$83,105
baseline
▲ 0.50% · 4.625%
HK$87,486
+HK$4,381/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$166,210/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,047
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,693
−HK$2,688/mo
Today · 4.125%
HK$90,381
baseline
▲ 0.50% · 4.625%
HK$95,880
+HK$5,499/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$180,762/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,614
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,152
−HK$2,574/mo
Today · 4.125%
HK$99,726
baseline
▲ 0.50% · 4.625%
HK$104,983
+HK$5,257/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$199,452/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,222
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$102,308
−HK$3,136/mo
Today · 4.125%
HK$105,444
baseline
▲ 0.50% · 4.625%
HK$111,860
+HK$6,416/mo
Deposit HK$9.32M · loan HK$21.76M · min. income ≈ HK$210,888/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,320,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,383
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,344
−HK$3,003/mo
Today · 4.125%
HK$116,347
baseline
▲ 0.50% · 4.625%
HK$122,480
+HK$6,133/mo
Deposit HK$9.32M · loan HK$21.76M · min. income ≈ HK$232,694/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,320,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,571
−HK$8,000/mo
▼ 0.25% · 3.875%
HK$131,539
−HK$4,032/mo
Today · 4.125%
HK$135,571
baseline
▲ 0.50% · 4.625%
HK$143,820
+HK$8,249/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$271,142/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,922
−HK$7,667/mo
▼ 0.25% · 3.875%
HK$145,728
−HK$3,861/mo
Today · 4.125%
HK$149,589
baseline
▲ 0.50% · 4.625%
HK$157,474
+HK$7,885/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$299,178/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,947 · Scale 2, in force from 26 Feb 2026)