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$71,039
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,249
−HK$2,245/mo
Today · 4.125%
HK$75,494
baseline
▲ 0.50% · 4.625%
HK$80,087
+HK$4,593/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$150,988/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,324,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,030
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,150
−HK$2,150/mo
Today · 4.125%
HK$83,300
baseline
▲ 0.50% · 4.625%
HK$87,691
+HK$4,391/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$166,600/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,324,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,247
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,899
−HK$2,694/mo
Today · 4.125%
HK$90,593
baseline
▲ 0.50% · 4.625%
HK$96,105
+HK$5,512/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$181,186/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,836
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,380
−HK$2,580/mo
Today · 4.125%
HK$99,960
baseline
▲ 0.50% · 4.625%
HK$105,229
+HK$5,269/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$199,920/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,455
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$102,548
−HK$3,143/mo
Today · 4.125%
HK$105,691
baseline
▲ 0.50% · 4.625%
HK$112,122
+HK$6,431/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$211,382/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,642
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,610
−HK$3,010/mo
Today · 4.125%
HK$116,620
baseline
▲ 0.50% · 4.625%
HK$122,767
+HK$6,147/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$233,240/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,870
−HK$8,019/mo
▼ 0.25% · 3.875%
HK$131,848
−HK$4,041/mo
Today · 4.125%
HK$135,889
baseline
▲ 0.50% · 4.625%
HK$144,157
+HK$8,268/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$271,778/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,254
−HK$7,686/mo
▼ 0.25% · 3.875%
HK$146,070
−HK$3,870/mo
Today · 4.125%
HK$149,940
baseline
▲ 0.50% · 4.625%
HK$157,844
+HK$7,904/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$299,880/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,045 · Scale 2, in force from 26 Feb 2026)