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$71,027
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,236
−HK$2,245/mo
Today · 4.125%
HK$75,481
baseline
▲ 0.50% · 4.625%
HK$80,074
+HK$4,593/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$150,962/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,323,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,017
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,136
−HK$2,150/mo
Today · 4.125%
HK$83,286
baseline
▲ 0.50% · 4.625%
HK$87,676
+HK$4,390/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$166,572/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,323,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,232
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$87,884
−HK$2,693/mo
Today · 4.125%
HK$90,577
baseline
▲ 0.50% · 4.625%
HK$96,089
+HK$5,512/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$181,154/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,820
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,363
−HK$2,580/mo
Today · 4.125%
HK$99,943
baseline
▲ 0.50% · 4.625%
HK$105,211
+HK$5,268/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$199,886/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,438
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$102,531
−HK$3,142/mo
Today · 4.125%
HK$105,673
baseline
▲ 0.50% · 4.625%
HK$112,103
+HK$6,430/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$211,346/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,624
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$113,590
−HK$3,010/mo
Today · 4.125%
HK$116,600
baseline
▲ 0.50% · 4.625%
HK$122,746
+HK$6,146/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$233,200/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,849
−HK$8,017/mo
▼ 0.25% · 3.875%
HK$131,825
−HK$4,041/mo
Today · 4.125%
HK$135,866
baseline
▲ 0.50% · 4.625%
HK$144,133
+HK$8,267/mo
Deposit HK$3.11M · loan HK$28.03M · min. income ≈ HK$271,732/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,230
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$146,045
−HK$3,870/mo
Today · 4.125%
HK$149,915
baseline
▲ 0.50% · 4.625%
HK$157,817
+HK$7,902/mo
Deposit HK$3.11M · loan HK$28.03M · min. income ≈ HK$299,830/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,820 · Scale 2, in force from 26 Feb 2026)