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$71,068
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,279
−HK$2,246/mo
Today · 4.125%
HK$75,525
baseline
▲ 0.50% · 4.625%
HK$80,120
+HK$4,595/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$151,050/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,062
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,183
−HK$2,151/mo
Today · 4.125%
HK$83,334
baseline
▲ 0.50% · 4.625%
HK$87,727
+HK$4,393/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$166,668/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,282
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,934
−HK$2,696/mo
Today · 4.125%
HK$90,630
baseline
▲ 0.50% · 4.625%
HK$96,144
+HK$5,514/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$181,260/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,875
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$97,419
−HK$2,582/mo
Today · 4.125%
HK$100,001
baseline
▲ 0.50% · 4.625%
HK$105,272
+HK$5,271/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$200,002/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,495
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,590
−HK$3,144/mo
Today · 4.125%
HK$105,734
baseline
▲ 0.50% · 4.625%
HK$112,168
+HK$6,434/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$211,468/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,687
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,656
−HK$3,012/mo
Today · 4.125%
HK$116,668
baseline
▲ 0.50% · 4.625%
HK$122,817
+HK$6,149/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$233,336/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,922
−HK$8,022/mo
▼ 0.25% · 3.875%
HK$131,902
−HK$4,042/mo
Today · 4.125%
HK$135,944
baseline
▲ 0.50% · 4.625%
HK$144,216
+HK$8,272/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$271,888/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,312
−HK$7,689/mo
▼ 0.25% · 3.875%
HK$146,129
−HK$3,872/mo
Today · 4.125%
HK$150,001
baseline
▲ 0.50% · 4.625%
HK$157,908
+HK$7,907/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$300,002/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,585 · Scale 2, in force from 26 Feb 2026)