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$71,021
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,230
−HK$2,244/mo
Today · 4.125%
HK$75,474
baseline
▲ 0.50% · 4.625%
HK$80,067
+HK$4,593/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$150,948/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,323,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,010
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,129
−HK$2,150/mo
Today · 4.125%
HK$83,279
baseline
▲ 0.50% · 4.625%
HK$87,668
+HK$4,389/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$166,558/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,323,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,225
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$87,876
−HK$2,693/mo
Today · 4.125%
HK$90,569
baseline
▲ 0.50% · 4.625%
HK$96,080
+HK$5,511/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$181,138/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,812
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,355
−HK$2,579/mo
Today · 4.125%
HK$99,934
baseline
▲ 0.50% · 4.625%
HK$105,202
+HK$5,268/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$199,868/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,429
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$102,522
−HK$3,142/mo
Today · 4.125%
HK$105,664
baseline
▲ 0.50% · 4.625%
HK$112,094
+HK$6,430/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$211,328/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,614
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$113,580
−HK$3,010/mo
Today · 4.125%
HK$116,590
baseline
▲ 0.50% · 4.625%
HK$122,736
+HK$6,146/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$233,180/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,837
−HK$8,017/mo
▼ 0.25% · 3.875%
HK$131,814
−HK$4,040/mo
Today · 4.125%
HK$135,854
baseline
▲ 0.50% · 4.625%
HK$144,120
+HK$8,266/mo
Deposit HK$3.11M · loan HK$28.03M · min. income ≈ HK$271,708/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,218
−HK$7,683/mo
▼ 0.25% · 3.875%
HK$146,032
−HK$3,869/mo
Today · 4.125%
HK$149,901
baseline
▲ 0.50% · 4.625%
HK$157,803
+HK$7,902/mo
Deposit HK$3.11M · loan HK$28.03M · min. income ≈ HK$299,802/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,703 · Scale 2, in force from 26 Feb 2026)