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$70,838
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,042
−HK$2,239/mo
Today · 4.125%
HK$75,281
baseline
▲ 0.50% · 4.625%
HK$79,861
+HK$4,580/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$150,562/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,320,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,807
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,920
−HK$2,145/mo
Today · 4.125%
HK$83,065
baseline
▲ 0.50% · 4.625%
HK$87,443
+HK$4,378/mo
Deposit HK$15.53M · loan HK$15.53M · min. income ≈ HK$166,130/mo (50% DSR)
Upfront cash ≈ HK$16.85M (deposit + AVD stamp duty HK$1,320,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,006
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,650
−HK$2,687/mo
Today · 4.125%
HK$90,337
baseline
▲ 0.50% · 4.625%
HK$95,833
+HK$5,496/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$180,674/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,568
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,105
−HK$2,573/mo
Today · 4.125%
HK$99,678
baseline
▲ 0.50% · 4.625%
HK$104,932
+HK$5,254/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$199,356/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,174
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,259
−HK$3,134/mo
Today · 4.125%
HK$105,393
baseline
▲ 0.50% · 4.625%
HK$111,806
+HK$6,413/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$210,786/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,330
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$113,289
−HK$3,001/mo
Today · 4.125%
HK$116,290
baseline
▲ 0.50% · 4.625%
HK$122,420
+HK$6,130/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$232,580/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,509
−HK$7,996/mo
▼ 0.25% · 3.875%
HK$131,475
−HK$4,030/mo
Today · 4.125%
HK$135,505
baseline
▲ 0.50% · 4.625%
HK$143,750
+HK$8,245/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$271,010/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,852
−HK$7,664/mo
▼ 0.25% · 3.875%
HK$145,657
−HK$3,859/mo
Today · 4.125%
HK$149,516
baseline
▲ 0.50% · 4.625%
HK$157,398
+HK$7,882/mo
Deposit HK$3.11M · loan HK$27.96M · min. income ≈ HK$299,032/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,303 · Scale 2, in force from 26 Feb 2026)