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$71,204
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,419
−HK$2,250/mo
Today · 4.125%
HK$75,669
baseline
▲ 0.50% · 4.625%
HK$80,273
+HK$4,604/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$151,338/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,213
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,338
−HK$2,155/mo
Today · 4.125%
HK$83,493
baseline
▲ 0.50% · 4.625%
HK$87,894
+HK$4,401/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$166,986/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,445
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$88,102
−HK$2,701/mo
Today · 4.125%
HK$90,803
baseline
▲ 0.50% · 4.625%
HK$96,328
+HK$5,525/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$181,606/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,056
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$97,606
−HK$2,586/mo
Today · 4.125%
HK$100,192
baseline
▲ 0.50% · 4.625%
HK$105,473
+HK$5,281/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$200,384/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,685
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$102,786
−HK$3,150/mo
Today · 4.125%
HK$105,936
baseline
▲ 0.50% · 4.625%
HK$112,382
+HK$6,446/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$211,872/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,327,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,899
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$113,873
−HK$3,017/mo
Today · 4.125%
HK$116,890
baseline
▲ 0.50% · 4.625%
HK$123,052
+HK$6,162/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$233,780/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,327,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,167
−HK$8,037/mo
▼ 0.25% · 3.875%
HK$132,154
−HK$4,050/mo
Today · 4.125%
HK$136,204
baseline
▲ 0.50% · 4.625%
HK$144,492
+HK$8,288/mo
Deposit HK$3.12M · loan HK$28.10M · min. income ≈ HK$272,408/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,584
−HK$7,704/mo
▼ 0.25% · 3.875%
HK$146,408
−HK$3,880/mo
Today · 4.125%
HK$150,288
baseline
▲ 0.50% · 4.625%
HK$158,210
+HK$7,922/mo
Deposit HK$3.12M · loan HK$28.10M · min. income ≈ HK$300,576/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,115 · Scale 2, in force from 26 Feb 2026)