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$71,101
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,313
−HK$2,247/mo
Today · 4.125%
HK$75,560
baseline
▲ 0.50% · 4.625%
HK$80,158
+HK$4,598/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,120/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,100
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,221
−HK$2,152/mo
Today · 4.125%
HK$83,373
baseline
▲ 0.50% · 4.625%
HK$87,768
+HK$4,395/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,746/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,322
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,976
−HK$2,696/mo
Today · 4.125%
HK$90,672
baseline
▲ 0.50% · 4.625%
HK$96,189
+HK$5,517/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$181,344/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,920
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,465
−HK$2,583/mo
Today · 4.125%
HK$100,048
baseline
▲ 0.50% · 4.625%
HK$105,321
+HK$5,273/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$200,096/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,542
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,638
−HK$3,146/mo
Today · 4.125%
HK$105,784
baseline
▲ 0.50% · 4.625%
HK$112,221
+HK$6,437/mo
Deposit HK$9.35M · loan HK$21.83M · min. income ≈ HK$211,568/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,739
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$113,709
−HK$3,013/mo
Today · 4.125%
HK$116,722
baseline
▲ 0.50% · 4.625%
HK$122,875
+HK$6,153/mo
Deposit HK$9.35M · loan HK$21.83M · min. income ≈ HK$233,444/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,983
−HK$8,025/mo
▼ 0.25% · 3.875%
HK$131,964
−HK$4,044/mo
Today · 4.125%
HK$136,008
baseline
▲ 0.50% · 4.625%
HK$144,284
+HK$8,276/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$272,016/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,379
−HK$7,693/mo
▼ 0.25% · 3.875%
HK$146,198
−HK$3,874/mo
Today · 4.125%
HK$150,072
baseline
▲ 0.50% · 4.625%
HK$157,982
+HK$7,910/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$300,144/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,207 · Scale 2, in force from 26 Feb 2026)