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$71,103
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,315
−HK$2,247/mo
Today · 4.125%
HK$75,562
baseline
▲ 0.50% · 4.625%
HK$80,160
+HK$4,598/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,124/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,101
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,223
−HK$2,152/mo
Today · 4.125%
HK$83,375
baseline
▲ 0.50% · 4.625%
HK$87,770
+HK$4,395/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,750/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,324
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,978
−HK$2,696/mo
Today · 4.125%
HK$90,674
baseline
▲ 0.50% · 4.625%
HK$96,191
+HK$5,517/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$181,348/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,922
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,467
−HK$2,583/mo
Today · 4.125%
HK$100,050
baseline
▲ 0.50% · 4.625%
HK$105,324
+HK$5,274/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$200,100/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,544
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,641
−HK$3,145/mo
Today · 4.125%
HK$105,786
baseline
▲ 0.50% · 4.625%
HK$112,223
+HK$6,437/mo
Deposit HK$9.35M · loan HK$21.83M · min. income ≈ HK$211,572/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,742
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$113,712
−HK$3,013/mo
Today · 4.125%
HK$116,725
baseline
▲ 0.50% · 4.625%
HK$122,878
+HK$6,153/mo
Deposit HK$9.35M · loan HK$21.83M · min. income ≈ HK$233,450/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,985
−HK$8,026/mo
▼ 0.25% · 3.875%
HK$131,966
−HK$4,045/mo
Today · 4.125%
HK$136,011
baseline
▲ 0.50% · 4.625%
HK$144,287
+HK$8,276/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$272,022/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,382
−HK$7,693/mo
▼ 0.25% · 3.875%
HK$146,201
−HK$3,874/mo
Today · 4.125%
HK$150,075
baseline
▲ 0.50% · 4.625%
HK$157,986
+HK$7,911/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$300,150/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,236 · Scale 2, in force from 26 Feb 2026)