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$71,050
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,260
−HK$2,245/mo
Today · 4.125%
HK$75,505
baseline
▲ 0.50% · 4.625%
HK$80,100
+HK$4,595/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$151,010/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,324,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,042
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,162
−HK$2,151/mo
Today · 4.125%
HK$83,313
baseline
▲ 0.50% · 4.625%
HK$87,704
+HK$4,391/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$166,626/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,324,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,260
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,912
−HK$2,694/mo
Today · 4.125%
HK$90,606
baseline
▲ 0.50% · 4.625%
HK$96,120
+HK$5,514/mo
Deposit HK$12.46M · loan HK$18.70M · min. income ≈ HK$181,212/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,851
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,395
−HK$2,580/mo
Today · 4.125%
HK$99,975
baseline
▲ 0.50% · 4.625%
HK$105,245
+HK$5,270/mo
Deposit HK$12.46M · loan HK$18.70M · min. income ≈ HK$199,950/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,470
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$102,564
−HK$3,144/mo
Today · 4.125%
HK$105,708
baseline
▲ 0.50% · 4.625%
HK$112,140
+HK$6,432/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$211,416/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,659
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$113,627
−HK$3,011/mo
Today · 4.125%
HK$116,638
baseline
▲ 0.50% · 4.625%
HK$122,786
+HK$6,148/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$233,276/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,890
−HK$8,020/mo
▼ 0.25% · 3.875%
HK$131,868
−HK$4,042/mo
Today · 4.125%
HK$135,910
baseline
▲ 0.50% · 4.625%
HK$144,179
+HK$8,269/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$271,820/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,276
−HK$7,687/mo
▼ 0.25% · 3.875%
HK$146,092
−HK$3,871/mo
Today · 4.125%
HK$149,963
baseline
▲ 0.50% · 4.625%
HK$157,868
+HK$7,905/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$299,926/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,247 · Scale 2, in force from 26 Feb 2026)