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$70,991
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,200
−HK$2,243/mo
Today · 4.125%
HK$75,443
baseline
▲ 0.50% · 4.625%
HK$80,034
+HK$4,591/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$150,886/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,977
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,095
−HK$2,149/mo
Today · 4.125%
HK$83,244
baseline
▲ 0.50% · 4.625%
HK$87,632
+HK$4,388/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$166,488/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,190
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$87,840
−HK$2,692/mo
Today · 4.125%
HK$90,532
baseline
▲ 0.50% · 4.625%
HK$96,040
+HK$5,508/mo
Deposit HK$12.45M · loan HK$18.68M · min. income ≈ HK$181,064/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,773
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,314
−HK$2,579/mo
Today · 4.125%
HK$99,893
baseline
▲ 0.50% · 4.625%
HK$105,158
+HK$5,265/mo
Deposit HK$12.45M · loan HK$18.68M · min. income ≈ HK$199,786/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,388
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$102,479
−HK$3,141/mo
Today · 4.125%
HK$105,620
baseline
▲ 0.50% · 4.625%
HK$112,047
+HK$6,427/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$211,240/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,323,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,568
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$113,533
−HK$3,009/mo
Today · 4.125%
HK$116,542
baseline
▲ 0.50% · 4.625%
HK$122,685
+HK$6,143/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$233,084/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,323,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,784
−HK$8,014/mo
▼ 0.25% · 3.875%
HK$131,759
−HK$4,039/mo
Today · 4.125%
HK$135,798
baseline
▲ 0.50% · 4.625%
HK$144,061
+HK$8,263/mo
Deposit HK$3.11M · loan HK$28.02M · min. income ≈ HK$271,596/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,159
−HK$7,680/mo
▼ 0.25% · 3.875%
HK$145,972
−HK$3,867/mo
Today · 4.125%
HK$149,839
baseline
▲ 0.50% · 4.625%
HK$157,738
+HK$7,899/mo
Deposit HK$3.11M · loan HK$28.02M · min. income ≈ HK$299,678/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,155 · Scale 2, in force from 26 Feb 2026)