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$71,034
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,243
−HK$2,245/mo
Today · 4.125%
HK$75,488
baseline
▲ 0.50% · 4.625%
HK$80,081
+HK$4,593/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$150,976/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,323,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,024
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,144
−HK$2,150/mo
Today · 4.125%
HK$83,294
baseline
▲ 0.50% · 4.625%
HK$87,684
+HK$4,390/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$166,588/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,323,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,240
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$87,892
−HK$2,694/mo
Today · 4.125%
HK$90,586
baseline
▲ 0.50% · 4.625%
HK$96,098
+HK$5,512/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$181,172/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,829
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$97,372
−HK$2,580/mo
Today · 4.125%
HK$99,952
baseline
▲ 0.50% · 4.625%
HK$105,221
+HK$5,269/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$199,904/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,447
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$102,540
−HK$3,143/mo
Today · 4.125%
HK$105,683
baseline
▲ 0.50% · 4.625%
HK$112,114
+HK$6,431/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$211,366/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,634
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$113,601
−HK$3,010/mo
Today · 4.125%
HK$116,611
baseline
▲ 0.50% · 4.625%
HK$122,758
+HK$6,147/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$233,222/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,860
−HK$8,018/mo
▼ 0.25% · 3.875%
HK$131,838
−HK$4,040/mo
Today · 4.125%
HK$135,878
baseline
▲ 0.50% · 4.625%
HK$144,146
+HK$8,268/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$271,756/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,243
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$146,058
−HK$3,870/mo
Today · 4.125%
HK$149,928
baseline
▲ 0.50% · 4.625%
HK$157,831
+HK$7,903/mo
Deposit HK$3.12M · loan HK$28.04M · min. income ≈ HK$299,856/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,942 · Scale 2, in force from 26 Feb 2026)