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$70,842
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,046
−HK$2,239/mo
Today · 4.125%
HK$75,285
baseline
▲ 0.50% · 4.625%
HK$79,866
+HK$4,581/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$150,570/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,320,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,812
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$80,925
−HK$2,144/mo
Today · 4.125%
HK$83,069
baseline
▲ 0.50% · 4.625%
HK$87,448
+HK$4,379/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$166,138/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,320,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,011
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,655
−HK$2,687/mo
Today · 4.125%
HK$90,342
baseline
▲ 0.50% · 4.625%
HK$95,839
+HK$5,497/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$180,684/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,574
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,110
−HK$2,573/mo
Today · 4.125%
HK$99,683
baseline
▲ 0.50% · 4.625%
HK$104,938
+HK$5,255/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$199,366/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,179
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,264
−HK$3,135/mo
Today · 4.125%
HK$105,399
baseline
▲ 0.50% · 4.625%
HK$111,812
+HK$6,413/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$210,798/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,336
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$113,295
−HK$3,002/mo
Today · 4.125%
HK$116,297
baseline
▲ 0.50% · 4.625%
HK$122,427
+HK$6,130/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$232,594/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,516
−HK$7,997/mo
▼ 0.25% · 3.875%
HK$131,483
−HK$4,030/mo
Today · 4.125%
HK$135,513
baseline
▲ 0.50% · 4.625%
HK$143,758
+HK$8,245/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$271,026/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,861
−HK$7,664/mo
▼ 0.25% · 3.875%
HK$145,665
−HK$3,860/mo
Today · 4.125%
HK$149,525
baseline
▲ 0.50% · 4.625%
HK$157,407
+HK$7,882/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$299,050/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,380 · Scale 2, in force from 26 Feb 2026)