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$70,720
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,919
−HK$2,235/mo
Today · 4.125%
HK$75,154
baseline
▲ 0.50% · 4.625%
HK$79,727
+HK$4,573/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$150,308/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,675
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,785
−HK$2,140/mo
Today · 4.125%
HK$82,925
baseline
▲ 0.50% · 4.625%
HK$87,297
+HK$4,372/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$165,850/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,864
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,503
−HK$2,682/mo
Today · 4.125%
HK$90,185
baseline
▲ 0.50% · 4.625%
HK$95,673
+HK$5,488/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$180,370/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,318,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,410
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$96,942
−HK$2,569/mo
Today · 4.125%
HK$99,511
baseline
▲ 0.50% · 4.625%
HK$104,756
+HK$5,245/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$199,022/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,318,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,008
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,087
−HK$3,129/mo
Today · 4.125%
HK$105,216
baseline
▲ 0.50% · 4.625%
HK$111,618
+HK$6,402/mo
Deposit HK$9.30M · loan HK$21.71M · min. income ≈ HK$210,432/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,318,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,145
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$113,099
−HK$2,997/mo
Today · 4.125%
HK$116,096
baseline
▲ 0.50% · 4.625%
HK$122,215
+HK$6,119/mo
Deposit HK$9.30M · loan HK$21.71M · min. income ≈ HK$232,192/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,318,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,295
−HK$7,983/mo
▼ 0.25% · 3.875%
HK$131,255
−HK$4,023/mo
Today · 4.125%
HK$135,278
baseline
▲ 0.50% · 4.625%
HK$143,509
+HK$8,231/mo
Deposit HK$3.10M · loan HK$27.91M · min. income ≈ HK$270,556/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,615
−HK$7,651/mo
▼ 0.25% · 3.875%
HK$145,413
−HK$3,853/mo
Today · 4.125%
HK$149,266
baseline
▲ 0.50% · 4.625%
HK$157,134
+HK$7,868/mo
Deposit HK$3.10M · loan HK$27.91M · min. income ≈ HK$298,532/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,092 · Scale 2, in force from 26 Feb 2026)