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$70,908
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,114
−HK$2,241/mo
Today · 4.125%
HK$75,355
baseline
▲ 0.50% · 4.625%
HK$79,940
+HK$4,585/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$150,710/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,885
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,001
−HK$2,146/mo
Today · 4.125%
HK$83,147
baseline
▲ 0.50% · 4.625%
HK$87,530
+HK$4,383/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$166,294/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,090
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$87,737
−HK$2,689/mo
Today · 4.125%
HK$90,426
baseline
▲ 0.50% · 4.625%
HK$95,928
+HK$5,502/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$180,852/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,662
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$97,201
−HK$2,575/mo
Today · 4.125%
HK$99,776
baseline
▲ 0.50% · 4.625%
HK$105,036
+HK$5,260/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$199,552/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,272
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$102,360
−HK$3,137/mo
Today · 4.125%
HK$105,497
baseline
▲ 0.50% · 4.625%
HK$111,916
+HK$6,419/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$210,994/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,439
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$113,401
−HK$3,005/mo
Today · 4.125%
HK$116,406
baseline
▲ 0.50% · 4.625%
HK$122,542
+HK$6,136/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$232,812/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,635
−HK$8,004/mo
▼ 0.25% · 3.875%
HK$131,605
−HK$4,034/mo
Today · 4.125%
HK$135,639
baseline
▲ 0.50% · 4.625%
HK$143,892
+HK$8,253/mo
Deposit HK$3.11M · loan HK$27.99M · min. income ≈ HK$271,278/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,993
−HK$7,671/mo
▼ 0.25% · 3.875%
HK$145,801
−HK$3,863/mo
Today · 4.125%
HK$149,664
baseline
▲ 0.50% · 4.625%
HK$157,553
+HK$7,889/mo
Deposit HK$3.11M · loan HK$27.99M · min. income ≈ HK$299,328/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,611 · Scale 2, in force from 26 Feb 2026)