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$70,923
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,129
−HK$2,241/mo
Today · 4.125%
HK$75,370
baseline
▲ 0.50% · 4.625%
HK$79,956
+HK$4,586/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$150,740/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,901
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,017
−HK$2,146/mo
Today · 4.125%
HK$83,163
baseline
▲ 0.50% · 4.625%
HK$87,547
+HK$4,384/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$166,326/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,107
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$87,754
−HK$2,690/mo
Today · 4.125%
HK$90,444
baseline
▲ 0.50% · 4.625%
HK$95,947
+HK$5,503/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$180,888/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,681
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$97,220
−HK$2,576/mo
Today · 4.125%
HK$99,796
baseline
▲ 0.50% · 4.625%
HK$105,056
+HK$5,260/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$199,592/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,292
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$102,380
−HK$3,138/mo
Today · 4.125%
HK$105,518
baseline
▲ 0.50% · 4.625%
HK$111,939
+HK$6,421/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$211,036/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,461
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,423
−HK$3,006/mo
Today · 4.125%
HK$116,429
baseline
▲ 0.50% · 4.625%
HK$122,566
+HK$6,137/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$232,858/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,661
−HK$8,005/mo
▼ 0.25% · 3.875%
HK$131,632
−HK$4,034/mo
Today · 4.125%
HK$135,666
baseline
▲ 0.50% · 4.625%
HK$143,921
+HK$8,255/mo
Deposit HK$3.11M · loan HK$27.99M · min. income ≈ HK$271,332/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,021
−HK$7,673/mo
▼ 0.25% · 3.875%
HK$145,830
−HK$3,864/mo
Today · 4.125%
HK$149,694
baseline
▲ 0.50% · 4.625%
HK$157,585
+HK$7,891/mo
Deposit HK$3.11M · loan HK$27.99M · min. income ≈ HK$299,388/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,873 · Scale 2, in force from 26 Feb 2026)