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$70,851
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,055
−HK$2,239/mo
Today · 4.125%
HK$75,294
baseline
▲ 0.50% · 4.625%
HK$79,876
+HK$4,582/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$150,588/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,821
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,935
−HK$2,145/mo
Today · 4.125%
HK$83,080
baseline
▲ 0.50% · 4.625%
HK$87,459
+HK$4,379/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$166,160/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,022
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,666
−HK$2,687/mo
Today · 4.125%
HK$90,353
baseline
▲ 0.50% · 4.625%
HK$95,851
+HK$5,498/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$180,706/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,586
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,122
−HK$2,574/mo
Today · 4.125%
HK$99,696
baseline
▲ 0.50% · 4.625%
HK$104,951
+HK$5,255/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$199,392/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,192
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,277
−HK$3,135/mo
Today · 4.125%
HK$105,412
baseline
▲ 0.50% · 4.625%
HK$111,826
+HK$6,414/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$210,824/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,350
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,310
−HK$3,002/mo
Today · 4.125%
HK$116,312
baseline
▲ 0.50% · 4.625%
HK$122,443
+HK$6,131/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$232,624/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,532
−HK$7,998/mo
▼ 0.25% · 3.875%
HK$131,499
−HK$4,031/mo
Today · 4.125%
HK$135,530
baseline
▲ 0.50% · 4.625%
HK$143,777
+HK$8,247/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$271,060/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,879
−HK$7,665/mo
▼ 0.25% · 3.875%
HK$145,684
−HK$3,860/mo
Today · 4.125%
HK$149,544
baseline
▲ 0.50% · 4.625%
HK$157,427
+HK$7,883/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$299,088/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,547 · Scale 2, in force from 26 Feb 2026)