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$71,307
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,525
−HK$2,253/mo
Today · 4.125%
HK$75,778
baseline
▲ 0.50% · 4.625%
HK$80,389
+HK$4,611/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,556/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,329,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,328
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,456
−HK$2,158/mo
Today · 4.125%
HK$83,614
baseline
▲ 0.50% · 4.625%
HK$88,021
+HK$4,407/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,228/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,329,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,568
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,230
−HK$2,704/mo
Today · 4.125%
HK$90,934
baseline
▲ 0.50% · 4.625%
HK$96,467
+HK$5,533/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$181,868/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,194
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,747
−HK$2,590/mo
Today · 4.125%
HK$100,337
baseline
▲ 0.50% · 4.625%
HK$105,626
+HK$5,289/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$200,674/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,830
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$102,935
−HK$3,155/mo
Today · 4.125%
HK$106,090
baseline
▲ 0.50% · 4.625%
HK$112,545
+HK$6,455/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$212,180/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,329,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,059
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$114,038
−HK$3,022/mo
Today · 4.125%
HK$117,060
baseline
▲ 0.50% · 4.625%
HK$123,230
+HK$6,170/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$234,120/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,329,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,352
−HK$8,049/mo
▼ 0.25% · 3.875%
HK$132,345
−HK$4,056/mo
Today · 4.125%
HK$136,401
baseline
▲ 0.50% · 4.625%
HK$144,701
+HK$8,300/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$272,802/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,791
−HK$7,714/mo
▼ 0.25% · 3.875%
HK$146,620
−HK$3,885/mo
Today · 4.125%
HK$150,505
baseline
▲ 0.50% · 4.625%
HK$158,439
+HK$7,934/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$301,010/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,036 · Scale 2, in force from 26 Feb 2026)