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$70,980
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$73,188
−HK$2,243/mo
Today · 4.125%
HK$75,431
baseline
▲ 0.50% · 4.625%
HK$80,021
+HK$4,590/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,862/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,322,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,965
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,083
−HK$2,148/mo
Today · 4.125%
HK$83,231
baseline
▲ 0.50% · 4.625%
HK$87,618
+HK$4,387/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,462/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,322,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,176
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$87,826
−HK$2,692/mo
Today · 4.125%
HK$90,518
baseline
▲ 0.50% · 4.625%
HK$96,025
+HK$5,507/mo
Deposit HK$12.45M · loan HK$18.68M · min. income ≈ HK$181,036/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,758
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,299
−HK$2,578/mo
Today · 4.125%
HK$99,877
baseline
▲ 0.50% · 4.625%
HK$105,142
+HK$5,265/mo
Deposit HK$12.45M · loan HK$18.68M · min. income ≈ HK$199,754/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,372
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$102,463
−HK$3,141/mo
Today · 4.125%
HK$105,604
baseline
▲ 0.50% · 4.625%
HK$112,030
+HK$6,426/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$211,208/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,551
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$113,516
−HK$3,008/mo
Today · 4.125%
HK$116,524
baseline
▲ 0.50% · 4.625%
HK$122,666
+HK$6,142/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$233,048/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,765
−HK$8,012/mo
▼ 0.25% · 3.875%
HK$131,739
−HK$4,038/mo
Today · 4.125%
HK$135,777
baseline
▲ 0.50% · 4.625%
HK$144,038
+HK$8,261/mo
Deposit HK$3.11M · loan HK$28.02M · min. income ≈ HK$271,554/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,322,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,137
−HK$7,679/mo
▼ 0.25% · 3.875%
HK$145,949
−HK$3,867/mo
Today · 4.125%
HK$149,816
baseline
▲ 0.50% · 4.625%
HK$157,713
+HK$7,897/mo
Deposit HK$3.11M · loan HK$28.02M · min. income ≈ HK$299,632/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,322,949 · Scale 2, in force from 26 Feb 2026)