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$71,016
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,225
−HK$2,245/mo
Today · 4.125%
HK$75,470
baseline
▲ 0.50% · 4.625%
HK$80,062
+HK$4,592/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$150,940/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,323,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,005
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,124
−HK$2,149/mo
Today · 4.125%
HK$83,273
baseline
▲ 0.50% · 4.625%
HK$87,663
+HK$4,390/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$166,546/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,323,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,220
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$87,871
−HK$2,693/mo
Today · 4.125%
HK$90,564
baseline
▲ 0.50% · 4.625%
HK$96,074
+HK$5,510/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$181,128/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,806
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,349
−HK$2,579/mo
Today · 4.125%
HK$99,928
baseline
▲ 0.50% · 4.625%
HK$105,196
+HK$5,268/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$199,856/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,423
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$102,516
−HK$3,142/mo
Today · 4.125%
HK$105,658
baseline
▲ 0.50% · 4.625%
HK$112,087
+HK$6,429/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$211,316/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,607
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$113,574
−HK$3,009/mo
Today · 4.125%
HK$116,583
baseline
▲ 0.50% · 4.625%
HK$122,728
+HK$6,145/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$233,166/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,830
−HK$8,016/mo
▼ 0.25% · 3.875%
HK$131,806
−HK$4,040/mo
Today · 4.125%
HK$135,846
baseline
▲ 0.50% · 4.625%
HK$144,111
+HK$8,265/mo
Deposit HK$3.11M · loan HK$28.03M · min. income ≈ HK$271,692/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,209
−HK$7,683/mo
▼ 0.25% · 3.875%
HK$146,023
−HK$3,869/mo
Today · 4.125%
HK$149,892
baseline
▲ 0.50% · 4.625%
HK$157,793
+HK$7,901/mo
Deposit HK$3.11M · loan HK$28.03M · min. income ≈ HK$299,784/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,623 · Scale 2, in force from 26 Feb 2026)