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$70,855
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,059
−HK$2,239/mo
Today · 4.125%
HK$75,298
baseline
▲ 0.50% · 4.625%
HK$79,880
+HK$4,582/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$150,596/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,825
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,939
−HK$2,145/mo
Today · 4.125%
HK$83,084
baseline
▲ 0.50% · 4.625%
HK$87,464
+HK$4,380/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$166,168/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,026
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,671
−HK$2,687/mo
Today · 4.125%
HK$90,358
baseline
▲ 0.50% · 4.625%
HK$95,856
+HK$5,498/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$180,716/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,590
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,127
−HK$2,574/mo
Today · 4.125%
HK$99,701
baseline
▲ 0.50% · 4.625%
HK$104,956
+HK$5,255/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$199,402/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,197
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,282
−HK$3,135/mo
Today · 4.125%
HK$105,417
baseline
▲ 0.50% · 4.625%
HK$111,832
+HK$6,415/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$210,834/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,356
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,315
−HK$3,003/mo
Today · 4.125%
HK$116,318
baseline
▲ 0.50% · 4.625%
HK$122,449
+HK$6,131/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$232,636/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,539
−HK$7,998/mo
▼ 0.25% · 3.875%
HK$131,506
−HK$4,031/mo
Today · 4.125%
HK$135,537
baseline
▲ 0.50% · 4.625%
HK$143,784
+HK$8,247/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$271,074/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,886
−HK$7,665/mo
▼ 0.25% · 3.875%
HK$145,691
−HK$3,860/mo
Today · 4.125%
HK$149,551
baseline
▲ 0.50% · 4.625%
HK$157,434
+HK$7,883/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$299,102/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,613 · Scale 2, in force from 26 Feb 2026)