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$70,894
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,099
−HK$2,241/mo
Today · 4.125%
HK$75,340
baseline
▲ 0.50% · 4.625%
HK$79,924
+HK$4,584/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$150,680/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,869
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,984
−HK$2,146/mo
Today · 4.125%
HK$83,130
baseline
▲ 0.50% · 4.625%
HK$87,512
+HK$4,382/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$166,260/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,073
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,719
−HK$2,688/mo
Today · 4.125%
HK$90,407
baseline
▲ 0.50% · 4.625%
HK$95,908
+HK$5,501/mo
Deposit HK$12.44M · loan HK$18.65M · min. income ≈ HK$180,814/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,642
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$97,181
−HK$2,575/mo
Today · 4.125%
HK$99,756
baseline
▲ 0.50% · 4.625%
HK$105,014
+HK$5,258/mo
Deposit HK$12.44M · loan HK$18.65M · min. income ≈ HK$199,512/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,251
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$102,339
−HK$3,136/mo
Today · 4.125%
HK$105,475
baseline
▲ 0.50% · 4.625%
HK$111,893
+HK$6,418/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$210,950/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,416
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,377
−HK$3,005/mo
Today · 4.125%
HK$116,382
baseline
▲ 0.50% · 4.625%
HK$122,516
+HK$6,134/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$232,764/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,609
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$131,578
−HK$4,033/mo
Today · 4.125%
HK$135,611
baseline
▲ 0.50% · 4.625%
HK$143,863
+HK$8,252/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$271,222/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,964
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$145,771
−HK$3,862/mo
Today · 4.125%
HK$149,633
baseline
▲ 0.50% · 4.625%
HK$157,521
+HK$7,888/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$299,266/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,338 · Scale 2, in force from 26 Feb 2026)