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$70,847
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,051
−HK$2,239/mo
Today · 4.125%
HK$75,290
baseline
▲ 0.50% · 4.625%
HK$79,871
+HK$4,581/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$150,580/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,817
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,930
−HK$2,145/mo
Today · 4.125%
HK$83,075
baseline
▲ 0.50% · 4.625%
HK$87,454
+HK$4,379/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$166,150/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,016
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,661
−HK$2,687/mo
Today · 4.125%
HK$90,348
baseline
▲ 0.50% · 4.625%
HK$95,845
+HK$5,497/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$180,696/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,580
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,117
−HK$2,573/mo
Today · 4.125%
HK$99,690
baseline
▲ 0.50% · 4.625%
HK$104,945
+HK$5,255/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$199,380/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,186
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,271
−HK$3,135/mo
Today · 4.125%
HK$105,406
baseline
▲ 0.50% · 4.625%
HK$111,819
+HK$6,413/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$210,812/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,343
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,303
−HK$3,002/mo
Today · 4.125%
HK$116,305
baseline
▲ 0.50% · 4.625%
HK$122,435
+HK$6,130/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$232,610/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,525
−HK$7,997/mo
▼ 0.25% · 3.875%
HK$131,491
−HK$4,031/mo
Today · 4.125%
HK$135,522
baseline
▲ 0.50% · 4.625%
HK$143,768
+HK$8,246/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$271,044/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,870
−HK$7,665/mo
▼ 0.25% · 3.875%
HK$145,675
−HK$3,860/mo
Today · 4.125%
HK$149,535
baseline
▲ 0.50% · 4.625%
HK$157,417
+HK$7,882/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$299,070/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,466 · Scale 2, in force from 26 Feb 2026)