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$70,971
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$73,179
−HK$2,243/mo
Today · 4.125%
HK$75,422
baseline
▲ 0.50% · 4.625%
HK$80,011
+HK$4,589/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,844/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,955
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,072
−HK$2,148/mo
Today · 4.125%
HK$83,220
baseline
▲ 0.50% · 4.625%
HK$87,607
+HK$4,387/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,440/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,165
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,815
−HK$2,691/mo
Today · 4.125%
HK$90,506
baseline
▲ 0.50% · 4.625%
HK$96,013
+HK$5,507/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$181,012/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,746
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,287
−HK$2,578/mo
Today · 4.125%
HK$99,865
baseline
▲ 0.50% · 4.625%
HK$105,129
+HK$5,264/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$199,730/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,360
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$102,450
−HK$3,140/mo
Today · 4.125%
HK$105,590
baseline
▲ 0.50% · 4.625%
HK$112,015
+HK$6,425/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$211,180/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,537
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$113,501
−HK$3,008/mo
Today · 4.125%
HK$116,509
baseline
▲ 0.50% · 4.625%
HK$122,650
+HK$6,141/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$233,018/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,748
−HK$8,011/mo
▼ 0.25% · 3.875%
HK$131,722
−HK$4,037/mo
Today · 4.125%
HK$135,759
baseline
▲ 0.50% · 4.625%
HK$144,020
+HK$8,261/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$271,518/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,322,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,119
−HK$7,678/mo
▼ 0.25% · 3.875%
HK$145,930
−HK$3,867/mo
Today · 4.125%
HK$149,797
baseline
▲ 0.50% · 4.625%
HK$157,693
+HK$7,896/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$299,594/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,322,780 · Scale 2, in force from 26 Feb 2026)