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$71,079
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,290
−HK$2,246/mo
Today · 4.125%
HK$75,536
baseline
▲ 0.50% · 4.625%
HK$80,133
+HK$4,597/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,072/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,075
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,195
−HK$2,152/mo
Today · 4.125%
HK$83,347
baseline
▲ 0.50% · 4.625%
HK$87,740
+HK$4,393/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,694/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,295
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,948
−HK$2,696/mo
Today · 4.125%
HK$90,644
baseline
▲ 0.50% · 4.625%
HK$96,159
+HK$5,515/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$181,288/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,890
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,435
−HK$2,581/mo
Today · 4.125%
HK$100,016
baseline
▲ 0.50% · 4.625%
HK$105,288
+HK$5,272/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$200,032/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,511
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,606
−HK$3,145/mo
Today · 4.125%
HK$105,751
baseline
▲ 0.50% · 4.625%
HK$112,186
+HK$6,435/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$211,502/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,705
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,674
−HK$3,012/mo
Today · 4.125%
HK$116,686
baseline
▲ 0.50% · 4.625%
HK$122,836
+HK$6,150/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$233,372/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,942
−HK$8,023/mo
▼ 0.25% · 3.875%
HK$131,922
−HK$4,043/mo
Today · 4.125%
HK$135,965
baseline
▲ 0.50% · 4.625%
HK$144,239
+HK$8,274/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$271,930/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,335
−HK$7,689/mo
▼ 0.25% · 3.875%
HK$146,152
−HK$3,872/mo
Today · 4.125%
HK$150,024
baseline
▲ 0.50% · 4.625%
HK$157,932
+HK$7,908/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$300,048/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,790 · Scale 2, in force from 26 Feb 2026)