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$70,895
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,101
−HK$2,240/mo
Today · 4.125%
HK$75,341
baseline
▲ 0.50% · 4.625%
HK$79,926
+HK$4,585/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$150,682/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,871
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,986
−HK$2,146/mo
Today · 4.125%
HK$83,132
baseline
▲ 0.50% · 4.625%
HK$87,514
+HK$4,382/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$166,264/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,075
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,721
−HK$2,688/mo
Today · 4.125%
HK$90,409
baseline
▲ 0.50% · 4.625%
HK$95,911
+HK$5,502/mo
Deposit HK$12.44M · loan HK$18.65M · min. income ≈ HK$180,818/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,645
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,183
−HK$2,575/mo
Today · 4.125%
HK$99,758
baseline
▲ 0.50% · 4.625%
HK$105,016
+HK$5,258/mo
Deposit HK$12.44M · loan HK$18.65M · min. income ≈ HK$199,516/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,254
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$102,341
−HK$3,137/mo
Today · 4.125%
HK$105,478
baseline
▲ 0.50% · 4.625%
HK$111,896
+HK$6,418/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$210,956/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,419
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$113,380
−HK$3,004/mo
Today · 4.125%
HK$116,384
baseline
▲ 0.50% · 4.625%
HK$122,519
+HK$6,135/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$232,768/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,612
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$131,581
−HK$4,033/mo
Today · 4.125%
HK$135,614
baseline
▲ 0.50% · 4.625%
HK$143,866
+HK$8,252/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$271,228/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,967
−HK$7,670/mo
▼ 0.25% · 3.875%
HK$145,774
−HK$3,863/mo
Today · 4.125%
HK$149,637
baseline
▲ 0.50% · 4.625%
HK$157,525
+HK$7,888/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$299,274/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,368 · Scale 2, in force from 26 Feb 2026)