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$71,052
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,262
−HK$2,245/mo
Today · 4.125%
HK$75,507
baseline
▲ 0.50% · 4.625%
HK$80,102
+HK$4,595/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$151,014/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,324,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,044
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,164
−HK$2,151/mo
Today · 4.125%
HK$83,315
baseline
▲ 0.50% · 4.625%
HK$87,706
+HK$4,391/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$166,630/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,324,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,262
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$87,914
−HK$2,695/mo
Today · 4.125%
HK$90,609
baseline
▲ 0.50% · 4.625%
HK$96,122
+HK$5,513/mo
Deposit HK$12.46M · loan HK$18.70M · min. income ≈ HK$181,218/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,853
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,397
−HK$2,581/mo
Today · 4.125%
HK$99,978
baseline
▲ 0.50% · 4.625%
HK$105,248
+HK$5,270/mo
Deposit HK$12.46M · loan HK$18.70M · min. income ≈ HK$199,956/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,472
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$102,566
−HK$3,144/mo
Today · 4.125%
HK$105,710
baseline
▲ 0.50% · 4.625%
HK$112,142
+HK$6,432/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$211,420/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,662
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$113,630
−HK$3,011/mo
Today · 4.125%
HK$116,641
baseline
▲ 0.50% · 4.625%
HK$122,789
+HK$6,148/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$233,282/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,893
−HK$8,020/mo
▼ 0.25% · 3.875%
HK$131,871
−HK$4,042/mo
Today · 4.125%
HK$135,913
baseline
▲ 0.50% · 4.625%
HK$144,183
+HK$8,270/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$271,826/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,280
−HK$7,687/mo
▼ 0.25% · 3.875%
HK$146,095
−HK$3,872/mo
Today · 4.125%
HK$149,967
baseline
▲ 0.50% · 4.625%
HK$157,871
+HK$7,904/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$299,934/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,279 · Scale 2, in force from 26 Feb 2026)