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$70,903
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,109
−HK$2,241/mo
Today · 4.125%
HK$75,350
baseline
▲ 0.50% · 4.625%
HK$79,934
+HK$4,584/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$150,700/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,879
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$80,995
−HK$2,146/mo
Today · 4.125%
HK$83,141
baseline
▲ 0.50% · 4.625%
HK$87,523
+HK$4,382/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$166,282/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,084
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,731
−HK$2,688/mo
Today · 4.125%
HK$90,419
baseline
▲ 0.50% · 4.625%
HK$95,921
+HK$5,502/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$180,838/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,655
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$97,194
−HK$2,575/mo
Today · 4.125%
HK$99,769
baseline
▲ 0.50% · 4.625%
HK$105,028
+HK$5,259/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$199,538/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,265
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$102,352
−HK$3,137/mo
Today · 4.125%
HK$105,489
baseline
▲ 0.50% · 4.625%
HK$111,908
+HK$6,419/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$210,978/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,431
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,393
−HK$3,004/mo
Today · 4.125%
HK$116,397
baseline
▲ 0.50% · 4.625%
HK$122,533
+HK$6,136/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$232,794/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,626
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$131,596
−HK$4,033/mo
Today · 4.125%
HK$135,629
baseline
▲ 0.50% · 4.625%
HK$143,882
+HK$8,253/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$271,258/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,982
−HK$7,671/mo
▼ 0.25% · 3.875%
HK$145,790
−HK$3,863/mo
Today · 4.125%
HK$149,653
baseline
▲ 0.50% · 4.625%
HK$157,542
+HK$7,889/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$299,306/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,513 · Scale 2, in force from 26 Feb 2026)