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$71,067
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,277
−HK$2,246/mo
Today · 4.125%
HK$75,523
baseline
▲ 0.50% · 4.625%
HK$80,118
+HK$4,595/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$151,046/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,061
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,181
−HK$2,151/mo
Today · 4.125%
HK$83,332
baseline
▲ 0.50% · 4.625%
HK$87,725
+HK$4,393/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$166,664/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,280
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,933
−HK$2,695/mo
Today · 4.125%
HK$90,628
baseline
▲ 0.50% · 4.625%
HK$96,142
+HK$5,514/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$181,256/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,873
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,417
−HK$2,582/mo
Today · 4.125%
HK$99,999
baseline
▲ 0.50% · 4.625%
HK$105,270
+HK$5,271/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$199,998/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,493
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,588
−HK$3,144/mo
Today · 4.125%
HK$105,732
baseline
▲ 0.50% · 4.625%
HK$112,166
+HK$6,434/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$211,464/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,685
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$113,654
−HK$3,011/mo
Today · 4.125%
HK$116,665
baseline
▲ 0.50% · 4.625%
HK$122,815
+HK$6,150/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$233,330/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,920
−HK$8,022/mo
▼ 0.25% · 3.875%
HK$131,899
−HK$4,043/mo
Today · 4.125%
HK$135,942
baseline
▲ 0.50% · 4.625%
HK$144,213
+HK$8,271/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$271,884/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,310
−HK$7,688/mo
▼ 0.25% · 3.875%
HK$146,126
−HK$3,872/mo
Today · 4.125%
HK$149,998
baseline
▲ 0.50% · 4.625%
HK$157,905
+HK$7,907/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$299,996/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,557 · Scale 2, in force from 26 Feb 2026)