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$70,948
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,155
−HK$2,242/mo
Today · 4.125%
HK$75,397
baseline
▲ 0.50% · 4.625%
HK$79,985
+HK$4,588/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,794/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,929
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,046
−HK$2,147/mo
Today · 4.125%
HK$83,193
baseline
▲ 0.50% · 4.625%
HK$87,578
+HK$4,385/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,386/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,137
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,786
−HK$2,690/mo
Today · 4.125%
HK$90,476
baseline
▲ 0.50% · 4.625%
HK$95,982
+HK$5,506/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$180,952/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,715
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$97,255
−HK$2,577/mo
Today · 4.125%
HK$99,832
baseline
▲ 0.50% · 4.625%
HK$105,094
+HK$5,262/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$199,664/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,327
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$102,417
−HK$3,139/mo
Today · 4.125%
HK$105,556
baseline
▲ 0.50% · 4.625%
HK$111,978
+HK$6,422/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$211,112/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,500
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,464
−HK$3,006/mo
Today · 4.125%
HK$116,470
baseline
▲ 0.50% · 4.625%
HK$122,610
+HK$6,140/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$232,940/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,706
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$131,679
−HK$4,035/mo
Today · 4.125%
HK$135,714
baseline
▲ 0.50% · 4.625%
HK$143,972
+HK$8,258/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$271,428/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,072
−HK$7,675/mo
▼ 0.25% · 3.875%
HK$145,882
−HK$3,865/mo
Today · 4.125%
HK$149,747
baseline
▲ 0.50% · 4.625%
HK$157,641
+HK$7,894/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$299,494/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,345 · Scale 2, in force from 26 Feb 2026)