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$70,834
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,038
−HK$2,238/mo
Today · 4.125%
HK$75,276
baseline
▲ 0.50% · 4.625%
HK$79,857
+HK$4,581/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$150,552/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,320,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,803
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$80,916
−HK$2,144/mo
Today · 4.125%
HK$83,060
baseline
▲ 0.50% · 4.625%
HK$87,438
+HK$4,378/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$166,120/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,320,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,001
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,645
−HK$2,687/mo
Today · 4.125%
HK$90,332
baseline
▲ 0.50% · 4.625%
HK$95,828
+HK$5,496/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$180,664/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,563
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,099
−HK$2,573/mo
Today · 4.125%
HK$99,672
baseline
▲ 0.50% · 4.625%
HK$104,926
+HK$5,254/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$199,344/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,168
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,253
−HK$3,134/mo
Today · 4.125%
HK$105,387
baseline
▲ 0.50% · 4.625%
HK$111,799
+HK$6,412/mo
Deposit HK$9.32M · loan HK$21.74M · min. income ≈ HK$210,774/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,324
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$113,282
−HK$3,002/mo
Today · 4.125%
HK$116,284
baseline
▲ 0.50% · 4.625%
HK$122,414
+HK$6,130/mo
Deposit HK$9.32M · loan HK$21.74M · min. income ≈ HK$232,568/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,502
−HK$7,995/mo
▼ 0.25% · 3.875%
HK$131,468
−HK$4,029/mo
Today · 4.125%
HK$135,497
baseline
▲ 0.50% · 4.625%
HK$143,742
+HK$8,245/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$270,994/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,845
−HK$7,663/mo
▼ 0.25% · 3.875%
HK$145,649
−HK$3,859/mo
Today · 4.125%
HK$149,508
baseline
▲ 0.50% · 4.625%
HK$157,389
+HK$7,881/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$299,016/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,231 · Scale 2, in force from 26 Feb 2026)