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$71,082
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,293
−HK$2,246/mo
Today · 4.125%
HK$75,539
baseline
▲ 0.50% · 4.625%
HK$80,135
+HK$4,596/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,078/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,078
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,198
−HK$2,152/mo
Today · 4.125%
HK$83,350
baseline
▲ 0.50% · 4.625%
HK$87,743
+HK$4,393/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,700/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,298
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,951
−HK$2,696/mo
Today · 4.125%
HK$90,647
baseline
▲ 0.50% · 4.625%
HK$96,163
+HK$5,516/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$181,294/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,893
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,438
−HK$2,582/mo
Today · 4.125%
HK$100,020
baseline
▲ 0.50% · 4.625%
HK$105,292
+HK$5,272/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$200,040/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,514
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,610
−HK$3,145/mo
Today · 4.125%
HK$105,755
baseline
▲ 0.50% · 4.625%
HK$112,190
+HK$6,435/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$211,510/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,709
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,678
−HK$3,012/mo
Today · 4.125%
HK$116,690
baseline
▲ 0.50% · 4.625%
HK$122,841
+HK$6,151/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$233,380/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,947
−HK$8,023/mo
▼ 0.25% · 3.875%
HK$131,927
−HK$4,043/mo
Today · 4.125%
HK$135,970
baseline
▲ 0.50% · 4.625%
HK$144,244
+HK$8,274/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$271,940/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,340
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$146,157
−HK$3,873/mo
Today · 4.125%
HK$150,030
baseline
▲ 0.50% · 4.625%
HK$157,938
+HK$7,908/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$300,060/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,839 · Scale 2, in force from 26 Feb 2026)