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$70,657
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,855
−HK$2,233/mo
Today · 4.125%
HK$75,088
baseline
▲ 0.50% · 4.625%
HK$79,657
+HK$4,569/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,176/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,605
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,713
−HK$2,139/mo
Today · 4.125%
HK$82,852
baseline
▲ 0.50% · 4.625%
HK$87,219
+HK$4,367/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,704/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,788
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,426
−HK$2,679/mo
Today · 4.125%
HK$90,105
baseline
▲ 0.50% · 4.625%
HK$95,588
+HK$5,483/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$180,210/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,326
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,856
−HK$2,566/mo
Today · 4.125%
HK$99,422
baseline
▲ 0.50% · 4.625%
HK$104,663
+HK$5,241/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$198,844/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,920
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$101,997
−HK$3,126/mo
Today · 4.125%
HK$105,123
baseline
▲ 0.50% · 4.625%
HK$111,520
+HK$6,397/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$210,246/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,047
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$112,999
−HK$2,994/mo
Today · 4.125%
HK$115,993
baseline
▲ 0.50% · 4.625%
HK$122,107
+HK$6,114/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$231,986/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,183
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$131,139
−HK$4,019/mo
Today · 4.125%
HK$135,158
baseline
▲ 0.50% · 4.625%
HK$143,382
+HK$8,224/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$270,316/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,316,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,489
−HK$7,645/mo
▼ 0.25% · 3.875%
HK$145,284
−HK$3,850/mo
Today · 4.125%
HK$149,134
baseline
▲ 0.50% · 4.625%
HK$156,995
+HK$7,861/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$298,268/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,316,925 · Scale 2, in force from 26 Feb 2026)