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$70,845
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,049
−HK$2,239/mo
Today · 4.125%
HK$75,288
baseline
▲ 0.50% · 4.625%
HK$79,869
+HK$4,581/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$150,576/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,320,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,815
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,929
−HK$2,144/mo
Today · 4.125%
HK$83,073
baseline
▲ 0.50% · 4.625%
HK$87,452
+HK$4,379/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$166,146/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,320,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,014
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,659
−HK$2,687/mo
Today · 4.125%
HK$90,346
baseline
▲ 0.50% · 4.625%
HK$95,843
+HK$5,497/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$180,692/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,578
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,114
−HK$2,573/mo
Today · 4.125%
HK$99,687
baseline
▲ 0.50% · 4.625%
HK$104,942
+HK$5,255/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$199,374/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,184
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,269
−HK$3,134/mo
Today · 4.125%
HK$105,403
baseline
▲ 0.50% · 4.625%
HK$111,817
+HK$6,414/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$210,806/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,341
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$113,300
−HK$3,002/mo
Today · 4.125%
HK$116,302
baseline
▲ 0.50% · 4.625%
HK$122,432
+HK$6,130/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$232,604/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,522
−HK$7,996/mo
▼ 0.25% · 3.875%
HK$131,488
−HK$4,030/mo
Today · 4.125%
HK$135,518
baseline
▲ 0.50% · 4.625%
HK$143,764
+HK$8,246/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$271,036/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,867
−HK$7,664/mo
▼ 0.25% · 3.875%
HK$145,671
−HK$3,860/mo
Today · 4.125%
HK$149,531
baseline
▲ 0.50% · 4.625%
HK$157,413
+HK$7,882/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$299,062/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,434 · Scale 2, in force from 26 Feb 2026)