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$70,782
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,984
−HK$2,237/mo
Today · 4.125%
HK$75,221
baseline
▲ 0.50% · 4.625%
HK$79,798
+HK$4,577/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,442/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,744
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,856
−HK$2,143/mo
Today · 4.125%
HK$82,999
baseline
▲ 0.50% · 4.625%
HK$87,374
+HK$4,375/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$165,998/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,938
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,581
−HK$2,684/mo
Today · 4.125%
HK$90,265
baseline
▲ 0.50% · 4.625%
HK$95,757
+HK$5,492/mo
Deposit HK$12.42M · loan HK$18.62M · min. income ≈ HK$180,530/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,493
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,027
−HK$2,571/mo
Today · 4.125%
HK$99,598
baseline
▲ 0.50% · 4.625%
HK$104,848
+HK$5,250/mo
Deposit HK$12.42M · loan HK$18.62M · min. income ≈ HK$199,196/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,095
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$102,177
−HK$3,132/mo
Today · 4.125%
HK$105,309
baseline
▲ 0.50% · 4.625%
HK$111,717
+HK$6,408/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,618/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,242
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,199
−HK$2,999/mo
Today · 4.125%
HK$116,198
baseline
▲ 0.50% · 4.625%
HK$122,323
+HK$6,125/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,396/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,408
−HK$7,989/mo
▼ 0.25% · 3.875%
HK$131,371
−HK$4,026/mo
Today · 4.125%
HK$135,397
baseline
▲ 0.50% · 4.625%
HK$143,636
+HK$8,239/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$270,794/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,740
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$145,541
−HK$3,856/mo
Today · 4.125%
HK$149,397
baseline
▲ 0.50% · 4.625%
HK$157,272
+HK$7,875/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$298,794/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,254 · Scale 2, in force from 26 Feb 2026)