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$70,881
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,086
−HK$2,240/mo
Today · 4.125%
HK$75,326
baseline
▲ 0.50% · 4.625%
HK$79,910
+HK$4,584/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$150,652/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,321,103 · 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$87,496
+HK$4,381/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$1,321,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,058
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,703
−HK$2,688/mo
Today · 4.125%
HK$90,391
baseline
▲ 0.50% · 4.625%
HK$95,891
+HK$5,500/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$180,782/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,626
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,163
−HK$2,575/mo
Today · 4.125%
HK$99,738
baseline
▲ 0.50% · 4.625%
HK$104,995
+HK$5,257/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$199,476/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,234
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$102,320
−HK$3,137/mo
Today · 4.125%
HK$105,457
baseline
▲ 0.50% · 4.625%
HK$111,873
+HK$6,416/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$1,321,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,397
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,357
−HK$3,004/mo
Today · 4.125%
HK$116,361
baseline
▲ 0.50% · 4.625%
HK$122,494
+HK$6,133/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$232,722/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,586
−HK$8,001/mo
▼ 0.25% · 3.875%
HK$131,555
−HK$4,032/mo
Today · 4.125%
HK$135,587
baseline
▲ 0.50% · 4.625%
HK$143,837
+HK$8,250/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$271,174/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,938
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$145,745
−HK$3,862/mo
Today · 4.125%
HK$149,607
baseline
▲ 0.50% · 4.625%
HK$157,493
+HK$7,886/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$299,214/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,103 · Scale 2, in force from 26 Feb 2026)