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$70,912
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,117
−HK$2,241/mo
Today · 4.125%
HK$75,358
baseline
▲ 0.50% · 4.625%
HK$79,944
+HK$4,586/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$150,716/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,888
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,004
−HK$2,146/mo
Today · 4.125%
HK$83,150
baseline
▲ 0.50% · 4.625%
HK$87,533
+HK$4,383/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$166,300/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,094
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$87,741
−HK$2,689/mo
Today · 4.125%
HK$90,430
baseline
▲ 0.50% · 4.625%
HK$95,932
+HK$5,502/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$180,860/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,666
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$97,205
−HK$2,576/mo
Today · 4.125%
HK$99,781
baseline
▲ 0.50% · 4.625%
HK$105,040
+HK$5,259/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$199,562/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,276
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$102,364
−HK$3,138/mo
Today · 4.125%
HK$105,502
baseline
▲ 0.50% · 4.625%
HK$111,921
+HK$6,419/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$211,004/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,444
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$113,406
−HK$3,005/mo
Today · 4.125%
HK$116,411
baseline
▲ 0.50% · 4.625%
HK$122,547
+HK$6,136/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$232,822/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,641
−HK$8,004/mo
▼ 0.25% · 3.875%
HK$131,611
−HK$4,034/mo
Today · 4.125%
HK$135,645
baseline
▲ 0.50% · 4.625%
HK$143,899
+HK$8,254/mo
Deposit HK$3.11M · loan HK$27.99M · min. income ≈ HK$271,290/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,999
−HK$7,672/mo
▼ 0.25% · 3.875%
HK$145,807
−HK$3,864/mo
Today · 4.125%
HK$149,671
baseline
▲ 0.50% · 4.625%
HK$157,560
+HK$7,889/mo
Deposit HK$3.11M · loan HK$27.99M · min. income ≈ HK$299,342/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,668 · Scale 2, in force from 26 Feb 2026)