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$70,861
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,065
−HK$2,240/mo
Today · 4.125%
HK$75,305
baseline
▲ 0.50% · 4.625%
HK$79,887
+HK$4,582/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$150,610/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,832
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,947
−HK$2,144/mo
Today · 4.125%
HK$83,091
baseline
▲ 0.50% · 4.625%
HK$87,471
+HK$4,380/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$166,182/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,033
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,678
−HK$2,688/mo
Today · 4.125%
HK$90,366
baseline
▲ 0.50% · 4.625%
HK$95,864
+HK$5,498/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$180,732/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,599
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,136
−HK$2,574/mo
Today · 4.125%
HK$99,710
baseline
▲ 0.50% · 4.625%
HK$104,966
+HK$5,256/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$199,420/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,206
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,292
−HK$3,135/mo
Today · 4.125%
HK$105,427
baseline
▲ 0.50% · 4.625%
HK$111,842
+HK$6,415/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$210,854/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,365
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$113,325
−HK$3,003/mo
Today · 4.125%
HK$116,328
baseline
▲ 0.50% · 4.625%
HK$122,460
+HK$6,132/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$232,656/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,550
−HK$7,999/mo
▼ 0.25% · 3.875%
HK$131,518
−HK$4,031/mo
Today · 4.125%
HK$135,549
baseline
▲ 0.50% · 4.625%
HK$143,796
+HK$8,247/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$271,098/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,898
−HK$7,667/mo
▼ 0.25% · 3.875%
HK$145,704
−HK$3,861/mo
Today · 4.125%
HK$149,565
baseline
▲ 0.50% · 4.625%
HK$157,448
+HK$7,883/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$299,130/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,729 · Scale 2, in force from 26 Feb 2026)