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$70,721
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,920
−HK$2,235/mo
Today · 4.125%
HK$75,155
baseline
▲ 0.50% · 4.625%
HK$79,728
+HK$4,573/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$150,310/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,676
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,786
−HK$2,141/mo
Today · 4.125%
HK$82,927
baseline
▲ 0.50% · 4.625%
HK$87,298
+HK$4,371/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$165,854/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,865
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,505
−HK$2,681/mo
Today · 4.125%
HK$90,186
baseline
▲ 0.50% · 4.625%
HK$95,674
+HK$5,488/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$180,372/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,318,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,411
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$96,943
−HK$2,569/mo
Today · 4.125%
HK$99,512
baseline
▲ 0.50% · 4.625%
HK$104,757
+HK$5,245/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$199,024/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,318,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,009
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$102,089
−HK$3,129/mo
Today · 4.125%
HK$105,218
baseline
▲ 0.50% · 4.625%
HK$111,620
+HK$6,402/mo
Deposit HK$9.30M · loan HK$21.71M · min. income ≈ HK$210,436/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,318,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,146
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$113,100
−HK$2,997/mo
Today · 4.125%
HK$116,097
baseline
▲ 0.50% · 4.625%
HK$122,217
+HK$6,120/mo
Deposit HK$9.30M · loan HK$21.71M · min. income ≈ HK$232,194/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,318,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,297
−HK$7,983/mo
▼ 0.25% · 3.875%
HK$131,257
−HK$4,023/mo
Today · 4.125%
HK$135,280
baseline
▲ 0.50% · 4.625%
HK$143,511
+HK$8,231/mo
Deposit HK$3.10M · loan HK$27.91M · min. income ≈ HK$270,560/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,617
−HK$7,651/mo
▼ 0.25% · 3.875%
HK$145,415
−HK$3,853/mo
Today · 4.125%
HK$149,268
baseline
▲ 0.50% · 4.625%
HK$157,136
+HK$7,868/mo
Deposit HK$3.10M · loan HK$27.91M · min. income ≈ HK$298,536/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,109 · Scale 2, in force from 26 Feb 2026)