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$71,058
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,269
−HK$2,245/mo
Today · 4.125%
HK$75,514
baseline
▲ 0.50% · 4.625%
HK$80,109
+HK$4,595/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$151,028/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,052
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,172
−HK$2,151/mo
Today · 4.125%
HK$83,323
baseline
▲ 0.50% · 4.625%
HK$87,715
+HK$4,392/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$166,646/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,270
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$87,922
−HK$2,695/mo
Today · 4.125%
HK$90,617
baseline
▲ 0.50% · 4.625%
HK$96,131
+HK$5,514/mo
Deposit HK$12.46M · loan HK$18.70M · min. income ≈ HK$181,234/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,862
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,406
−HK$2,581/mo
Today · 4.125%
HK$99,987
baseline
▲ 0.50% · 4.625%
HK$105,258
+HK$5,271/mo
Deposit HK$12.46M · loan HK$18.70M · min. income ≈ HK$199,974/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,482
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$102,576
−HK$3,144/mo
Today · 4.125%
HK$105,720
baseline
▲ 0.50% · 4.625%
HK$112,153
+HK$6,433/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$211,440/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,672
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$113,641
−HK$3,011/mo
Today · 4.125%
HK$116,652
baseline
▲ 0.50% · 4.625%
HK$122,801
+HK$6,149/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$233,304/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,905
−HK$8,021/mo
▼ 0.25% · 3.875%
HK$131,884
−HK$4,042/mo
Today · 4.125%
HK$135,926
baseline
▲ 0.50% · 4.625%
HK$144,197
+HK$8,271/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$271,852/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,293
−HK$7,688/mo
▼ 0.25% · 3.875%
HK$146,109
−HK$3,872/mo
Today · 4.125%
HK$149,981
baseline
▲ 0.50% · 4.625%
HK$157,886
+HK$7,905/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$299,962/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,404 · Scale 2, in force from 26 Feb 2026)