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$71,031
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,240
−HK$2,245/mo
Today · 4.125%
HK$75,485
baseline
▲ 0.50% · 4.625%
HK$80,078
+HK$4,593/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$150,970/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,323,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,021
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,140
−HK$2,150/mo
Today · 4.125%
HK$83,290
baseline
▲ 0.50% · 4.625%
HK$87,680
+HK$4,390/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$166,580/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,323,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,237
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$87,888
−HK$2,694/mo
Today · 4.125%
HK$90,582
baseline
▲ 0.50% · 4.625%
HK$96,093
+HK$5,511/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$181,164/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,825
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,368
−HK$2,580/mo
Today · 4.125%
HK$99,948
baseline
▲ 0.50% · 4.625%
HK$105,216
+HK$5,268/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$199,896/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,443
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$102,536
−HK$3,143/mo
Today · 4.125%
HK$105,679
baseline
▲ 0.50% · 4.625%
HK$112,109
+HK$6,430/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$211,358/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,629
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$113,596
−HK$3,010/mo
Today · 4.125%
HK$116,606
baseline
▲ 0.50% · 4.625%
HK$122,753
+HK$6,147/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$233,212/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,855
−HK$8,018/mo
▼ 0.25% · 3.875%
HK$131,832
−HK$4,041/mo
Today · 4.125%
HK$135,873
baseline
▲ 0.50% · 4.625%
HK$144,140
+HK$8,267/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$271,746/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,237
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$146,052
−HK$3,870/mo
Today · 4.125%
HK$149,922
baseline
▲ 0.50% · 4.625%
HK$157,825
+HK$7,903/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$299,844/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,886 · Scale 2, in force from 26 Feb 2026)