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$71,205
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,420
−HK$2,250/mo
Today · 4.125%
HK$75,670
baseline
▲ 0.50% · 4.625%
HK$80,274
+HK$4,604/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$151,340/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,215
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,339
−HK$2,155/mo
Today · 4.125%
HK$83,494
baseline
▲ 0.50% · 4.625%
HK$87,895
+HK$4,401/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$166,988/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,446
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$88,104
−HK$2,700/mo
Today · 4.125%
HK$90,804
baseline
▲ 0.50% · 4.625%
HK$96,329
+HK$5,525/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$181,608/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,058
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$97,607
−HK$2,586/mo
Today · 4.125%
HK$100,193
baseline
▲ 0.50% · 4.625%
HK$105,474
+HK$5,281/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$200,386/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,687
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$102,788
−HK$3,150/mo
Today · 4.125%
HK$105,938
baseline
▲ 0.50% · 4.625%
HK$112,384
+HK$6,446/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$211,876/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,900
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$113,875
−HK$3,017/mo
Today · 4.125%
HK$116,892
baseline
▲ 0.50% · 4.625%
HK$123,054
+HK$6,162/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$233,784/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,169
−HK$8,037/mo
▼ 0.25% · 3.875%
HK$132,155
−HK$4,051/mo
Today · 4.125%
HK$136,206
baseline
▲ 0.50% · 4.625%
HK$144,494
+HK$8,288/mo
Deposit HK$3.12M · loan HK$28.10M · min. income ≈ HK$272,412/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,586
−HK$7,704/mo
▼ 0.25% · 3.875%
HK$146,410
−HK$3,880/mo
Today · 4.125%
HK$150,290
baseline
▲ 0.50% · 4.625%
HK$158,212
+HK$7,922/mo
Deposit HK$3.12M · loan HK$28.10M · min. income ≈ HK$300,580/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,133 · Scale 2, in force from 26 Feb 2026)