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$71,107
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,319
−HK$2,247/mo
Today · 4.125%
HK$75,566
baseline
▲ 0.50% · 4.625%
HK$80,164
+HK$4,598/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,132/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,106
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,227
−HK$2,153/mo
Today · 4.125%
HK$83,380
baseline
▲ 0.50% · 4.625%
HK$87,775
+HK$4,395/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,760/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,328
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,982
−HK$2,697/mo
Today · 4.125%
HK$90,679
baseline
▲ 0.50% · 4.625%
HK$96,197
+HK$5,518/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$181,358/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,927
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,473
−HK$2,582/mo
Today · 4.125%
HK$100,055
baseline
▲ 0.50% · 4.625%
HK$105,329
+HK$5,274/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$200,110/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,550
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,646
−HK$3,146/mo
Today · 4.125%
HK$105,792
baseline
▲ 0.50% · 4.625%
HK$112,229
+HK$6,437/mo
Deposit HK$9.36M · loan HK$21.83M · min. income ≈ HK$211,584/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,748
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$113,718
−HK$3,013/mo
Today · 4.125%
HK$116,731
baseline
▲ 0.50% · 4.625%
HK$122,884
+HK$6,153/mo
Deposit HK$9.36M · loan HK$21.83M · min. income ≈ HK$233,462/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,992
−HK$8,027/mo
▼ 0.25% · 3.875%
HK$131,974
−HK$4,045/mo
Today · 4.125%
HK$136,019
baseline
▲ 0.50% · 4.625%
HK$144,295
+HK$8,276/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$272,038/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,390
−HK$7,693/mo
▼ 0.25% · 3.875%
HK$146,209
−HK$3,874/mo
Today · 4.125%
HK$150,083
baseline
▲ 0.50% · 4.625%
HK$157,994
+HK$7,911/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$300,166/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,309 · Scale 2, in force from 26 Feb 2026)