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$70,889
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,094
−HK$2,241/mo
Today · 4.125%
HK$75,335
baseline
▲ 0.50% · 4.625%
HK$79,919
+HK$4,584/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$150,670/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,864
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,979
−HK$2,145/mo
Today · 4.125%
HK$83,124
baseline
▲ 0.50% · 4.625%
HK$87,506
+HK$4,382/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$166,248/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,067
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,713
−HK$2,689/mo
Today · 4.125%
HK$90,402
baseline
▲ 0.50% · 4.625%
HK$95,902
+HK$5,500/mo
Deposit HK$12.44M · loan HK$18.65M · min. income ≈ HK$180,804/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,636
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,174
−HK$2,575/mo
Today · 4.125%
HK$99,749
baseline
▲ 0.50% · 4.625%
HK$105,007
+HK$5,258/mo
Deposit HK$12.44M · loan HK$18.65M · min. income ≈ HK$199,498/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,245
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$102,332
−HK$3,136/mo
Today · 4.125%
HK$105,468
baseline
▲ 0.50% · 4.625%
HK$111,886
+HK$6,418/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$210,936/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,409
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$113,370
−HK$3,004/mo
Today · 4.125%
HK$116,374
baseline
▲ 0.50% · 4.625%
HK$122,508
+HK$6,134/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$232,748/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,601
−HK$8,001/mo
▼ 0.25% · 3.875%
HK$131,570
−HK$4,032/mo
Today · 4.125%
HK$135,602
baseline
▲ 0.50% · 4.625%
HK$143,853
+HK$8,251/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$271,204/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,954
−HK$7,670/mo
▼ 0.25% · 3.875%
HK$145,762
−HK$3,862/mo
Today · 4.125%
HK$149,624
baseline
▲ 0.50% · 4.625%
HK$157,511
+HK$7,887/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$299,248/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,252 · Scale 2, in force from 26 Feb 2026)