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$70,760
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,961
−HK$2,237/mo
Today · 4.125%
HK$75,198
baseline
▲ 0.50% · 4.625%
HK$79,773
+HK$4,575/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,396/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,720
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,831
−HK$2,142/mo
Today · 4.125%
HK$82,973
baseline
▲ 0.50% · 4.625%
HK$87,347
+HK$4,374/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$165,946/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,912
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,554
−HK$2,683/mo
Today · 4.125%
HK$90,237
baseline
▲ 0.50% · 4.625%
HK$95,728
+HK$5,491/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$180,474/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,464
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$96,998
−HK$2,570/mo
Today · 4.125%
HK$99,568
baseline
▲ 0.50% · 4.625%
HK$104,816
+HK$5,248/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$199,136/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,064
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,146
−HK$3,131/mo
Today · 4.125%
HK$105,277
baseline
▲ 0.50% · 4.625%
HK$111,682
+HK$6,405/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$210,554/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,208
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,164
−HK$2,998/mo
Today · 4.125%
HK$116,162
baseline
▲ 0.50% · 4.625%
HK$122,285
+HK$6,123/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$232,324/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,369
−HK$7,987/mo
▼ 0.25% · 3.875%
HK$131,330
−HK$4,026/mo
Today · 4.125%
HK$135,356
baseline
▲ 0.50% · 4.625%
HK$143,592
+HK$8,236/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$270,712/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,696
−HK$7,656/mo
▼ 0.25% · 3.875%
HK$145,496
−HK$3,856/mo
Today · 4.125%
HK$149,352
baseline
▲ 0.50% · 4.625%
HK$157,224
+HK$7,872/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$298,704/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,849 · Scale 2, in force from 26 Feb 2026)