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$71,078
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,289
−HK$2,246/mo
Today · 4.125%
HK$75,535
baseline
▲ 0.50% · 4.625%
HK$80,131
+HK$4,596/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,070/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,073
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,194
−HK$2,151/mo
Today · 4.125%
HK$83,345
baseline
▲ 0.50% · 4.625%
HK$87,739
+HK$4,394/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,690/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,293
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,947
−HK$2,695/mo
Today · 4.125%
HK$90,642
baseline
▲ 0.50% · 4.625%
HK$96,157
+HK$5,515/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$181,284/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,888
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,433
−HK$2,582/mo
Today · 4.125%
HK$100,015
baseline
▲ 0.50% · 4.625%
HK$105,287
+HK$5,272/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$200,030/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,509
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,604
−HK$3,145/mo
Today · 4.125%
HK$105,749
baseline
▲ 0.50% · 4.625%
HK$112,184
+HK$6,435/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$211,498/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,703
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,672
−HK$3,012/mo
Today · 4.125%
HK$116,684
baseline
▲ 0.50% · 4.625%
HK$122,834
+HK$6,150/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$233,368/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,940
−HK$8,023/mo
▼ 0.25% · 3.875%
HK$131,920
−HK$4,043/mo
Today · 4.125%
HK$135,963
baseline
▲ 0.50% · 4.625%
HK$144,236
+HK$8,273/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$271,926/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,332
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$146,149
−HK$3,873/mo
Today · 4.125%
HK$150,022
baseline
▲ 0.50% · 4.625%
HK$157,930
+HK$7,908/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$300,044/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,768 · Scale 2, in force from 26 Feb 2026)