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$70,932
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,138
−HK$2,242/mo
Today · 4.125%
HK$75,380
baseline
▲ 0.50% · 4.625%
HK$79,967
+HK$4,587/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$150,760/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,911
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,028
−HK$2,147/mo
Today · 4.125%
HK$83,175
baseline
▲ 0.50% · 4.625%
HK$87,559
+HK$4,384/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$166,350/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,118
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$87,766
−HK$2,690/mo
Today · 4.125%
HK$90,456
baseline
▲ 0.50% · 4.625%
HK$95,960
+HK$5,504/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$180,912/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,322,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,693
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$97,233
−HK$2,576/mo
Today · 4.125%
HK$99,809
baseline
▲ 0.50% · 4.625%
HK$105,071
+HK$5,262/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$199,618/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,322,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,305
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$102,394
−HK$3,138/mo
Today · 4.125%
HK$105,532
baseline
▲ 0.50% · 4.625%
HK$111,954
+HK$6,422/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$211,064/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,322,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,476
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,439
−HK$3,005/mo
Today · 4.125%
HK$116,444
baseline
▲ 0.50% · 4.625%
HK$122,582
+HK$6,138/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$232,888/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,322,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,678
−HK$8,006/mo
▼ 0.25% · 3.875%
HK$131,649
−HK$4,035/mo
Today · 4.125%
HK$135,684
baseline
▲ 0.50% · 4.625%
HK$143,940
+HK$8,256/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$271,368/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,040
−HK$7,674/mo
▼ 0.25% · 3.875%
HK$145,850
−HK$3,864/mo
Today · 4.125%
HK$149,714
baseline
▲ 0.50% · 4.625%
HK$157,606
+HK$7,892/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$299,428/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,050 · Scale 2, in force from 26 Feb 2026)