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$71,071
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,282
−HK$2,246/mo
Today · 4.125%
HK$75,528
baseline
▲ 0.50% · 4.625%
HK$80,124
+HK$4,596/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$151,056/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,066
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,187
−HK$2,151/mo
Today · 4.125%
HK$83,338
baseline
▲ 0.50% · 4.625%
HK$87,731
+HK$4,393/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$166,676/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,286
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,938
−HK$2,696/mo
Today · 4.125%
HK$90,634
baseline
▲ 0.50% · 4.625%
HK$96,149
+HK$5,515/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$181,268/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,879
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,424
−HK$2,581/mo
Today · 4.125%
HK$100,005
baseline
▲ 0.50% · 4.625%
HK$105,277
+HK$5,272/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$200,010/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,500
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,595
−HK$3,144/mo
Today · 4.125%
HK$105,739
baseline
▲ 0.50% · 4.625%
HK$112,173
+HK$6,434/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$211,478/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,692
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,661
−HK$3,012/mo
Today · 4.125%
HK$116,673
baseline
▲ 0.50% · 4.625%
HK$122,823
+HK$6,150/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$233,346/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,928
−HK$8,022/mo
▼ 0.25% · 3.875%
HK$131,908
−HK$4,042/mo
Today · 4.125%
HK$135,950
baseline
▲ 0.50% · 4.625%
HK$144,223
+HK$8,273/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$271,900/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,319
−HK$7,689/mo
▼ 0.25% · 3.875%
HK$146,136
−HK$3,872/mo
Today · 4.125%
HK$150,008
baseline
▲ 0.50% · 4.625%
HK$157,915
+HK$7,907/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$300,016/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,645 · Scale 2, in force from 26 Feb 2026)