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$71,056
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,266
−HK$2,245/mo
Today · 4.125%
HK$75,511
baseline
▲ 0.50% · 4.625%
HK$80,106
+HK$4,595/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$151,022/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,324,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,049
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,169
−HK$2,150/mo
Today · 4.125%
HK$83,319
baseline
▲ 0.50% · 4.625%
HK$87,711
+HK$4,392/mo
Deposit HK$15.58M · loan HK$15.58M · min. income ≈ HK$166,638/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,324,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,267
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$87,919
−HK$2,695/mo
Today · 4.125%
HK$90,614
baseline
▲ 0.50% · 4.625%
HK$96,127
+HK$5,513/mo
Deposit HK$12.46M · loan HK$18.70M · min. income ≈ HK$181,228/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,858
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,402
−HK$2,581/mo
Today · 4.125%
HK$99,983
baseline
▲ 0.50% · 4.625%
HK$105,254
+HK$5,271/mo
Deposit HK$12.46M · loan HK$18.70M · min. income ≈ HK$199,966/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,324,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,478
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$102,572
−HK$3,144/mo
Today · 4.125%
HK$105,716
baseline
▲ 0.50% · 4.625%
HK$112,149
+HK$6,433/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$211,432/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,668
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$113,636
−HK$3,011/mo
Today · 4.125%
HK$116,647
baseline
▲ 0.50% · 4.625%
HK$122,796
+HK$6,149/mo
Deposit HK$9.35M · loan HK$21.81M · min. income ≈ HK$233,294/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,324,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,900
−HK$8,021/mo
▼ 0.25% · 3.875%
HK$131,879
−HK$4,042/mo
Today · 4.125%
HK$135,921
baseline
▲ 0.50% · 4.625%
HK$144,191
+HK$8,270/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$271,842/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,288
−HK$7,687/mo
▼ 0.25% · 3.875%
HK$146,104
−HK$3,871/mo
Today · 4.125%
HK$149,975
baseline
▲ 0.50% · 4.625%
HK$157,880
+HK$7,905/mo
Deposit HK$3.12M · loan HK$28.05M · min. income ≈ HK$299,950/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,324,353 · Scale 2, in force from 26 Feb 2026)