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$71,040
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,250
−HK$2,245/mo
Today · 4.125%
HK$75,495
baseline
▲ 0.50% · 4.625%
HK$80,088
+HK$4,593/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$150,990/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,324,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,031
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,151
−HK$2,150/mo
Today · 4.125%
HK$83,301
baseline
▲ 0.50% · 4.625%
HK$87,692
+HK$4,391/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$166,602/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,324,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,248
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,900
−HK$2,694/mo
Today · 4.125%
HK$90,594
baseline
▲ 0.50% · 4.625%
HK$96,106
+HK$5,512/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$181,188/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,838
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,381
−HK$2,580/mo
Today · 4.125%
HK$99,961
baseline
▲ 0.50% · 4.625%
HK$105,230
+HK$5,269/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$199,922/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,456
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,550
−HK$3,143/mo
Today · 4.125%
HK$105,693
baseline
▲ 0.50% · 4.625%
HK$112,124
+HK$6,431/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$211,386/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,644
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,611
−HK$3,011/mo
Today · 4.125%
HK$116,622
baseline
▲ 0.50% · 4.625%
HK$122,769
+HK$6,147/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$233,244/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,872
−HK$8,019/mo
▼ 0.25% · 3.875%
HK$131,850
−HK$4,041/mo
Today · 4.125%
HK$135,891
baseline
▲ 0.50% · 4.625%
HK$144,159
+HK$8,268/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$271,782/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,256
−HK$7,686/mo
▼ 0.25% · 3.875%
HK$146,072
−HK$3,870/mo
Today · 4.125%
HK$149,942
baseline
▲ 0.50% · 4.625%
HK$157,846
+HK$7,904/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$299,884/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,062 · Scale 2, in force from 26 Feb 2026)