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$71,002
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,211
−HK$2,244/mo
Today · 4.125%
HK$75,455
baseline
▲ 0.50% · 4.625%
HK$80,046
+HK$4,591/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$150,910/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,989
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,108
−HK$2,149/mo
Today · 4.125%
HK$83,257
baseline
▲ 0.50% · 4.625%
HK$87,645
+HK$4,388/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$166,514/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,203
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$87,853
−HK$2,693/mo
Today · 4.125%
HK$90,546
baseline
▲ 0.50% · 4.625%
HK$96,055
+HK$5,509/mo
Deposit HK$12.46M · loan HK$18.68M · min. income ≈ HK$181,092/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,787
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,329
−HK$2,579/mo
Today · 4.125%
HK$99,908
baseline
▲ 0.50% · 4.625%
HK$105,174
+HK$5,266/mo
Deposit HK$12.46M · loan HK$18.68M · min. income ≈ HK$199,816/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,403
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$102,495
−HK$3,141/mo
Today · 4.125%
HK$105,636
baseline
▲ 0.50% · 4.625%
HK$112,064
+HK$6,428/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$211,272/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,323,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,585
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$113,551
−HK$3,008/mo
Today · 4.125%
HK$116,559
baseline
▲ 0.50% · 4.625%
HK$122,703
+HK$6,144/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$233,118/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,323,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,804
−HK$8,014/mo
▼ 0.25% · 3.875%
HK$131,779
−HK$4,039/mo
Today · 4.125%
HK$135,818
baseline
▲ 0.50% · 4.625%
HK$144,083
+HK$8,265/mo
Deposit HK$3.11M · loan HK$28.02M · min. income ≈ HK$271,636/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,181
−HK$7,681/mo
▼ 0.25% · 3.875%
HK$145,994
−HK$3,868/mo
Today · 4.125%
HK$149,862
baseline
▲ 0.50% · 4.625%
HK$157,762
+HK$7,900/mo
Deposit HK$3.11M · loan HK$28.02M · min. income ≈ HK$299,724/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,357 · Scale 2, in force from 26 Feb 2026)