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$70,942
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,149
−HK$2,242/mo
Today · 4.125%
HK$75,391
baseline
▲ 0.50% · 4.625%
HK$79,978
+HK$4,587/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,782/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,922
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,039
−HK$2,147/mo
Today · 4.125%
HK$83,186
baseline
▲ 0.50% · 4.625%
HK$87,571
+HK$4,385/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,372/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,130
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,778
−HK$2,691/mo
Today · 4.125%
HK$90,469
baseline
▲ 0.50% · 4.625%
HK$95,974
+HK$5,505/mo
Deposit HK$12.44M · loan HK$18.67M · min. income ≈ HK$180,938/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,707
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$97,247
−HK$2,576/mo
Today · 4.125%
HK$99,823
baseline
▲ 0.50% · 4.625%
HK$105,085
+HK$5,262/mo
Deposit HK$12.44M · loan HK$18.67M · min. income ≈ HK$199,646/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,319
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$102,408
−HK$3,139/mo
Today · 4.125%
HK$105,547
baseline
▲ 0.50% · 4.625%
HK$111,969
+HK$6,422/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$211,094/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,491
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,454
−HK$3,007/mo
Today · 4.125%
HK$116,461
baseline
▲ 0.50% · 4.625%
HK$122,599
+HK$6,138/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$232,922/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,696
−HK$8,007/mo
▼ 0.25% · 3.875%
HK$131,668
−HK$4,035/mo
Today · 4.125%
HK$135,703
baseline
▲ 0.50% · 4.625%
HK$143,960
+HK$8,257/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$271,406/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,060
−HK$7,675/mo
▼ 0.25% · 3.875%
HK$145,870
−HK$3,865/mo
Today · 4.125%
HK$149,735
baseline
▲ 0.50% · 4.625%
HK$157,628
+HK$7,893/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$299,470/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,236 · Scale 2, in force from 26 Feb 2026)