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$70,944
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,151
−HK$2,242/mo
Today · 4.125%
HK$75,393
baseline
▲ 0.50% · 4.625%
HK$79,981
+HK$4,588/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,786/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,925
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,042
−HK$2,147/mo
Today · 4.125%
HK$83,189
baseline
▲ 0.50% · 4.625%
HK$87,574
+HK$4,385/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,378/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,133
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,781
−HK$2,691/mo
Today · 4.125%
HK$90,472
baseline
▲ 0.50% · 4.625%
HK$95,977
+HK$5,505/mo
Deposit HK$12.44M · loan HK$18.67M · min. income ≈ HK$180,944/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,710
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$97,250
−HK$2,577/mo
Today · 4.125%
HK$99,827
baseline
▲ 0.50% · 4.625%
HK$105,089
+HK$5,262/mo
Deposit HK$12.44M · loan HK$18.67M · min. income ≈ HK$199,654/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,322
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,412
−HK$3,139/mo
Today · 4.125%
HK$105,551
baseline
▲ 0.50% · 4.625%
HK$111,973
+HK$6,422/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$211,102/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,495
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,458
−HK$3,007/mo
Today · 4.125%
HK$116,465
baseline
▲ 0.50% · 4.625%
HK$122,604
+HK$6,139/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$232,930/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,700
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$131,672
−HK$4,036/mo
Today · 4.125%
HK$135,708
baseline
▲ 0.50% · 4.625%
HK$143,965
+HK$8,257/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$271,416/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,065
−HK$7,675/mo
▼ 0.25% · 3.875%
HK$145,875
−HK$3,865/mo
Today · 4.125%
HK$149,740
baseline
▲ 0.50% · 4.625%
HK$157,633
+HK$7,893/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$299,480/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,281 · Scale 2, in force from 26 Feb 2026)