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$70,940
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,147
−HK$2,242/mo
Today · 4.125%
HK$75,389
baseline
▲ 0.50% · 4.625%
HK$79,976
+HK$4,587/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,778/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,920
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,037
−HK$2,147/mo
Today · 4.125%
HK$83,184
baseline
▲ 0.50% · 4.625%
HK$87,569
+HK$4,385/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,368/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,128
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,776
−HK$2,691/mo
Today · 4.125%
HK$90,467
baseline
▲ 0.50% · 4.625%
HK$95,971
+HK$5,504/mo
Deposit HK$12.44M · loan HK$18.67M · min. income ≈ HK$180,934/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,705
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$97,244
−HK$2,577/mo
Today · 4.125%
HK$99,821
baseline
▲ 0.50% · 4.625%
HK$105,083
+HK$5,262/mo
Deposit HK$12.44M · loan HK$18.67M · min. income ≈ HK$199,642/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,317
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$102,406
−HK$3,139/mo
Today · 4.125%
HK$105,545
baseline
▲ 0.50% · 4.625%
HK$111,967
+HK$6,422/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$211,090/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,489
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$113,452
−HK$3,006/mo
Today · 4.125%
HK$116,458
baseline
▲ 0.50% · 4.625%
HK$122,597
+HK$6,139/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$232,916/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,693
−HK$8,007/mo
▼ 0.25% · 3.875%
HK$131,665
−HK$4,035/mo
Today · 4.125%
HK$135,700
baseline
▲ 0.50% · 4.625%
HK$143,957
+HK$8,257/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$271,400/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,057
−HK$7,675/mo
▼ 0.25% · 3.875%
HK$145,867
−HK$3,865/mo
Today · 4.125%
HK$149,732
baseline
▲ 0.50% · 4.625%
HK$157,624
+HK$7,892/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$299,464/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,205 · Scale 2, in force from 26 Feb 2026)