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$70,621
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,818
−HK$2,232/mo
Today · 4.125%
HK$75,050
baseline
▲ 0.50% · 4.625%
HK$79,616
+HK$4,566/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,100/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,565
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,672
−HK$2,138/mo
Today · 4.125%
HK$82,810
baseline
▲ 0.50% · 4.625%
HK$87,175
+HK$4,365/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,620/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,745
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,382
−HK$2,678/mo
Today · 4.125%
HK$90,060
baseline
▲ 0.50% · 4.625%
HK$95,540
+HK$5,480/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$180,120/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,316,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,278
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,807
−HK$2,565/mo
Today · 4.125%
HK$99,372
baseline
▲ 0.50% · 4.625%
HK$104,610
+HK$5,238/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$198,744/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,316,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,870
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,945
−HK$3,125/mo
Today · 4.125%
HK$105,070
baseline
▲ 0.50% · 4.625%
HK$111,463
+HK$6,393/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$210,140/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,992
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,941
−HK$2,993/mo
Today · 4.125%
HK$115,934
baseline
▲ 0.50% · 4.625%
HK$122,045
+HK$6,111/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$231,868/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,118
−HK$7,972/mo
▼ 0.25% · 3.875%
HK$131,072
−HK$4,018/mo
Today · 4.125%
HK$135,090
baseline
▲ 0.50% · 4.625%
HK$143,309
+HK$8,219/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$270,180/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,418
−HK$7,640/mo
▼ 0.25% · 3.875%
HK$145,210
−HK$3,848/mo
Today · 4.125%
HK$149,058
baseline
▲ 0.50% · 4.625%
HK$156,915
+HK$7,857/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$298,116/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,257 · Scale 2, in force from 26 Feb 2026)