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$71,009
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,218
−HK$2,244/mo
Today · 4.125%
HK$75,462
baseline
▲ 0.50% · 4.625%
HK$80,054
+HK$4,592/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$150,924/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,997
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,116
−HK$2,149/mo
Today · 4.125%
HK$83,265
baseline
▲ 0.50% · 4.625%
HK$87,654
+HK$4,389/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$166,530/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,211
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$87,862
−HK$2,693/mo
Today · 4.125%
HK$90,555
baseline
▲ 0.50% · 4.625%
HK$96,065
+HK$5,510/mo
Deposit HK$12.46M · loan HK$18.68M · min. income ≈ HK$181,110/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,797
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$97,339
−HK$2,579/mo
Today · 4.125%
HK$99,918
baseline
▲ 0.50% · 4.625%
HK$105,185
+HK$5,267/mo
Deposit HK$12.46M · loan HK$18.68M · min. income ≈ HK$199,836/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,413
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,506
−HK$3,141/mo
Today · 4.125%
HK$105,647
baseline
▲ 0.50% · 4.625%
HK$112,076
+HK$6,429/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$211,294/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,596
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,562
−HK$3,009/mo
Today · 4.125%
HK$116,571
baseline
▲ 0.50% · 4.625%
HK$122,716
+HK$6,145/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$233,142/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,817
−HK$8,015/mo
▼ 0.25% · 3.875%
HK$131,793
−HK$4,039/mo
Today · 4.125%
HK$135,832
baseline
▲ 0.50% · 4.625%
HK$144,097
+HK$8,265/mo
Deposit HK$3.11M · loan HK$28.03M · min. income ≈ HK$271,664/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,195
−HK$7,683/mo
▼ 0.25% · 3.875%
HK$146,009
−HK$3,869/mo
Today · 4.125%
HK$149,878
baseline
▲ 0.50% · 4.625%
HK$157,778
+HK$7,900/mo
Deposit HK$3.11M · loan HK$28.03M · min. income ≈ HK$299,756/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,493 · Scale 2, in force from 26 Feb 2026)