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$70,967
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,174
−HK$2,243/mo
Today · 4.125%
HK$75,417
baseline
▲ 0.50% · 4.625%
HK$80,006
+HK$4,589/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,834/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,950
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,067
−HK$2,148/mo
Today · 4.125%
HK$83,215
baseline
▲ 0.50% · 4.625%
HK$87,601
+HK$4,386/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,430/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,160
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$87,809
−HK$2,691/mo
Today · 4.125%
HK$90,500
baseline
▲ 0.50% · 4.625%
HK$96,007
+HK$5,507/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$181,000/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,739
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,280
−HK$2,578/mo
Today · 4.125%
HK$99,858
baseline
▲ 0.50% · 4.625%
HK$105,122
+HK$5,264/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$199,716/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,353
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$102,444
−HK$3,139/mo
Today · 4.125%
HK$105,583
baseline
▲ 0.50% · 4.625%
HK$112,008
+HK$6,425/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$211,166/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,529
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$113,494
−HK$3,007/mo
Today · 4.125%
HK$116,501
baseline
▲ 0.50% · 4.625%
HK$122,642
+HK$6,141/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$233,002/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,740
−HK$8,010/mo
▼ 0.25% · 3.875%
HK$131,713
−HK$4,037/mo
Today · 4.125%
HK$135,750
baseline
▲ 0.50% · 4.625%
HK$144,010
+HK$8,260/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$271,500/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,109
−HK$7,678/mo
▼ 0.25% · 3.875%
HK$145,920
−HK$3,867/mo
Today · 4.125%
HK$149,787
baseline
▲ 0.50% · 4.625%
HK$157,682
+HK$7,895/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$299,574/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,692 · Scale 2, in force from 26 Feb 2026)