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$71,084
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,295
−HK$2,247/mo
Today · 4.125%
HK$75,542
baseline
▲ 0.50% · 4.625%
HK$80,138
+HK$4,596/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,084/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,080
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,201
−HK$2,152/mo
Today · 4.125%
HK$83,353
baseline
▲ 0.50% · 4.625%
HK$87,747
+HK$4,394/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,706/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,324,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,301
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,954
−HK$2,696/mo
Today · 4.125%
HK$90,650
baseline
▲ 0.50% · 4.625%
HK$96,166
+HK$5,516/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$181,300/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,897
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,442
−HK$2,582/mo
Today · 4.125%
HK$100,024
baseline
▲ 0.50% · 4.625%
HK$105,296
+HK$5,272/mo
Deposit HK$12.47M · loan HK$18.70M · min. income ≈ HK$200,048/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,518
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,613
−HK$3,146/mo
Today · 4.125%
HK$105,759
baseline
▲ 0.50% · 4.625%
HK$112,194
+HK$6,435/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$211,518/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,713
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,682
−HK$3,012/mo
Today · 4.125%
HK$116,694
baseline
▲ 0.50% · 4.625%
HK$122,845
+HK$6,151/mo
Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$233,388/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,952
−HK$8,023/mo
▼ 0.25% · 3.875%
HK$131,932
−HK$4,043/mo
Today · 4.125%
HK$135,975
baseline
▲ 0.50% · 4.625%
HK$144,249
+HK$8,274/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$271,950/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,345
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$146,163
−HK$3,872/mo
Today · 4.125%
HK$150,035
baseline
▲ 0.50% · 4.625%
HK$157,944
+HK$7,909/mo
Deposit HK$3.12M · loan HK$28.06M · min. income ≈ HK$300,070/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,886 · Scale 2, in force from 26 Feb 2026)