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$71,036
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,245
−HK$2,245/mo
Today · 4.125%
HK$75,490
baseline
▲ 0.50% · 4.625%
HK$80,084
+HK$4,594/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$150,980/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,323,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,027
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,146
−HK$2,150/mo
Today · 4.125%
HK$83,296
baseline
▲ 0.50% · 4.625%
HK$87,687
+HK$4,391/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$166,592/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,323,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,243
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,895
−HK$2,694/mo
Today · 4.125%
HK$90,589
baseline
▲ 0.50% · 4.625%
HK$96,101
+HK$5,512/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$181,178/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,323,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,832
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,375
−HK$2,581/mo
Today · 4.125%
HK$99,956
baseline
▲ 0.50% · 4.625%
HK$105,224
+HK$5,268/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$199,912/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,323,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,450
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,544
−HK$3,143/mo
Today · 4.125%
HK$105,687
baseline
▲ 0.50% · 4.625%
HK$112,117
+HK$6,430/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$211,374/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,637
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,605
−HK$3,010/mo
Today · 4.125%
HK$116,615
baseline
▲ 0.50% · 4.625%
HK$122,762
+HK$6,147/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$233,230/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,865
−HK$8,018/mo
▼ 0.25% · 3.875%
HK$131,842
−HK$4,041/mo
Today · 4.125%
HK$135,883
baseline
▲ 0.50% · 4.625%
HK$144,151
+HK$8,268/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$271,766/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,248
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$146,063
−HK$3,870/mo
Today · 4.125%
HK$149,933
baseline
▲ 0.50% · 4.625%
HK$157,836
+HK$7,903/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$299,866/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,985 · Scale 2, in force from 26 Feb 2026)