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$70,803
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,005
−HK$2,238/mo
Today · 4.125%
HK$75,243
baseline
▲ 0.50% · 4.625%
HK$79,821
+HK$4,578/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$150,486/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,767
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,880
−HK$2,143/mo
Today · 4.125%
HK$83,023
baseline
▲ 0.50% · 4.625%
HK$87,399
+HK$4,376/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$166,046/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,963
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,606
−HK$2,685/mo
Today · 4.125%
HK$90,291
baseline
▲ 0.50% · 4.625%
HK$95,785
+HK$5,494/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$180,582/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,521
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,056
−HK$2,572/mo
Today · 4.125%
HK$99,628
baseline
▲ 0.50% · 4.625%
HK$104,879
+HK$5,251/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$199,256/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,124
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$102,207
−HK$3,133/mo
Today · 4.125%
HK$105,340
baseline
▲ 0.50% · 4.625%
HK$111,750
+HK$6,410/mo
Deposit HK$9.32M · loan HK$21.74M · min. income ≈ HK$210,680/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,274
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$113,232
−HK$3,000/mo
Today · 4.125%
HK$116,232
baseline
▲ 0.50% · 4.625%
HK$122,359
+HK$6,127/mo
Deposit HK$9.32M · loan HK$21.74M · min. income ≈ HK$232,464/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,445
−HK$7,992/mo
▼ 0.25% · 3.875%
HK$131,409
−HK$4,028/mo
Today · 4.125%
HK$135,437
baseline
▲ 0.50% · 4.625%
HK$143,678
+HK$8,241/mo
Deposit HK$3.11M · loan HK$27.95M · min. income ≈ HK$270,874/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,781
−HK$7,660/mo
▼ 0.25% · 3.875%
HK$145,584
−HK$3,857/mo
Today · 4.125%
HK$149,441
baseline
▲ 0.50% · 4.625%
HK$157,319
+HK$7,878/mo
Deposit HK$3.11M · loan HK$27.95M · min. income ≈ HK$298,882/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,641 · Scale 2, in force from 26 Feb 2026)