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$70,985
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$73,193
−HK$2,243/mo
Today · 4.125%
HK$75,436
baseline
▲ 0.50% · 4.625%
HK$80,026
+HK$4,590/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$150,872/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,970
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,088
−HK$2,148/mo
Today · 4.125%
HK$83,236
baseline
▲ 0.50% · 4.625%
HK$87,624
+HK$4,388/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$166,472/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,181
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$87,831
−HK$2,692/mo
Today · 4.125%
HK$90,523
baseline
▲ 0.50% · 4.625%
HK$96,031
+HK$5,508/mo
Deposit HK$12.45M · loan HK$18.68M · min. income ≈ HK$181,046/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,764
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,305
−HK$2,578/mo
Today · 4.125%
HK$99,883
baseline
▲ 0.50% · 4.625%
HK$105,148
+HK$5,265/mo
Deposit HK$12.45M · loan HK$18.68M · min. income ≈ HK$199,766/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,378
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$102,470
−HK$3,140/mo
Today · 4.125%
HK$105,610
baseline
▲ 0.50% · 4.625%
HK$112,036
+HK$6,426/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$211,220/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,323,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,557
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$113,523
−HK$3,008/mo
Today · 4.125%
HK$116,531
baseline
▲ 0.50% · 4.625%
HK$122,673
+HK$6,142/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$233,062/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,323,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,772
−HK$8,013/mo
▼ 0.25% · 3.875%
HK$131,747
−HK$4,038/mo
Today · 4.125%
HK$135,785
baseline
▲ 0.50% · 4.625%
HK$144,047
+HK$8,262/mo
Deposit HK$3.11M · loan HK$28.02M · min. income ≈ HK$271,570/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,145
−HK$7,680/mo
▼ 0.25% · 3.875%
HK$145,958
−HK$3,867/mo
Today · 4.125%
HK$149,825
baseline
▲ 0.50% · 4.625%
HK$157,722
+HK$7,897/mo
Deposit HK$3.11M · loan HK$28.02M · min. income ≈ HK$299,650/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,029 · Scale 2, in force from 26 Feb 2026)