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$70,660
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,858
−HK$2,233/mo
Today · 4.125%
HK$75,091
baseline
▲ 0.50% · 4.625%
HK$79,660
+HK$4,569/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,182/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,608
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,717
−HK$2,138/mo
Today · 4.125%
HK$82,855
baseline
▲ 0.50% · 4.625%
HK$87,223
+HK$4,368/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,710/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,792
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,429
−HK$2,680/mo
Today · 4.125%
HK$90,109
baseline
▲ 0.50% · 4.625%
HK$95,592
+HK$5,483/mo
Deposit HK$12.40M · loan HK$18.59M · min. income ≈ HK$180,218/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,330
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,860
−HK$2,566/mo
Today · 4.125%
HK$99,426
baseline
▲ 0.50% · 4.625%
HK$104,667
+HK$5,241/mo
Deposit HK$12.40M · loan HK$18.59M · min. income ≈ HK$198,852/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,924
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$102,001
−HK$3,126/mo
Today · 4.125%
HK$105,127
baseline
▲ 0.50% · 4.625%
HK$111,524
+HK$6,397/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$210,254/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,052
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,003
−HK$2,995/mo
Today · 4.125%
HK$115,998
baseline
▲ 0.50% · 4.625%
HK$122,112
+HK$6,114/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$231,996/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,188
−HK$7,976/mo
▼ 0.25% · 3.875%
HK$131,144
−HK$4,020/mo
Today · 4.125%
HK$135,164
baseline
▲ 0.50% · 4.625%
HK$143,388
+HK$8,224/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$270,328/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,316,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,495
−HK$7,645/mo
▼ 0.25% · 3.875%
HK$145,290
−HK$3,850/mo
Today · 4.125%
HK$149,140
baseline
▲ 0.50% · 4.625%
HK$157,001
+HK$7,861/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$298,280/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,316,977 · Scale 2, in force from 26 Feb 2026)