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$70,889
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,094
−HK$2,240/mo
Today · 4.125%
HK$75,334
baseline
▲ 0.50% · 4.625%
HK$79,918
+HK$4,584/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$150,668/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,863
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,978
−HK$2,146/mo
Today · 4.125%
HK$83,124
baseline
▲ 0.50% · 4.625%
HK$87,505
+HK$4,381/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$166,248/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,067
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,713
−HK$2,688/mo
Today · 4.125%
HK$90,401
baseline
▲ 0.50% · 4.625%
HK$95,902
+HK$5,501/mo
Deposit HK$12.44M · loan HK$18.65M · min. income ≈ HK$180,802/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,636
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,174
−HK$2,575/mo
Today · 4.125%
HK$99,749
baseline
▲ 0.50% · 4.625%
HK$105,006
+HK$5,257/mo
Deposit HK$12.44M · loan HK$18.65M · min. income ≈ HK$199,498/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,244
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$102,331
−HK$3,137/mo
Today · 4.125%
HK$105,468
baseline
▲ 0.50% · 4.625%
HK$111,885
+HK$6,417/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$210,936/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,408
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$113,369
−HK$3,004/mo
Today · 4.125%
HK$116,373
baseline
▲ 0.50% · 4.625%
HK$122,507
+HK$6,134/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$232,746/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,600
−HK$8,001/mo
▼ 0.25% · 3.875%
HK$131,569
−HK$4,032/mo
Today · 4.125%
HK$135,601
baseline
▲ 0.50% · 4.625%
HK$143,852
+HK$8,251/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$271,202/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,954
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$145,761
−HK$3,862/mo
Today · 4.125%
HK$149,623
baseline
▲ 0.50% · 4.625%
HK$157,510
+HK$7,887/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$299,246/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,244 · Scale 2, in force from 26 Feb 2026)