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$70,965
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,172
−HK$2,243/mo
Today · 4.125%
HK$75,415
baseline
▲ 0.50% · 4.625%
HK$80,004
+HK$4,589/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,830/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,947
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,065
−HK$2,148/mo
Today · 4.125%
HK$83,213
baseline
▲ 0.50% · 4.625%
HK$87,599
+HK$4,386/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,426/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,158
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$87,806
−HK$2,692/mo
Today · 4.125%
HK$90,498
baseline
▲ 0.50% · 4.625%
HK$96,004
+HK$5,506/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$180,996/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,737
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$97,278
−HK$2,577/mo
Today · 4.125%
HK$99,855
baseline
▲ 0.50% · 4.625%
HK$105,119
+HK$5,264/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$199,710/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,350
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$102,441
−HK$3,140/mo
Today · 4.125%
HK$105,581
baseline
▲ 0.50% · 4.625%
HK$112,005
+HK$6,424/mo
Deposit HK$9.34M · loan HK$21.78M · min. income ≈ HK$211,162/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,526
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$113,491
−HK$3,007/mo
Today · 4.125%
HK$116,498
baseline
▲ 0.50% · 4.625%
HK$122,639
+HK$6,141/mo
Deposit HK$9.34M · loan HK$21.78M · min. income ≈ HK$232,996/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,736
−HK$8,011/mo
▼ 0.25% · 3.875%
HK$131,710
−HK$4,037/mo
Today · 4.125%
HK$135,747
baseline
▲ 0.50% · 4.625%
HK$144,006
+HK$8,259/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$271,494/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,105
−HK$7,678/mo
▼ 0.25% · 3.875%
HK$145,917
−HK$3,866/mo
Today · 4.125%
HK$149,783
baseline
▲ 0.50% · 4.625%
HK$157,678
+HK$7,895/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$299,566/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,658 · Scale 2, in force from 26 Feb 2026)