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$70,662
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,860
−HK$2,233/mo
Today · 4.125%
HK$75,093
baseline
▲ 0.50% · 4.625%
HK$79,662
+HK$4,569/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,186/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,317,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,610
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,719
−HK$2,138/mo
Today · 4.125%
HK$82,857
baseline
▲ 0.50% · 4.625%
HK$87,225
+HK$4,368/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,714/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,317,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,794
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,432
−HK$2,679/mo
Today · 4.125%
HK$90,111
baseline
▲ 0.50% · 4.625%
HK$95,594
+HK$5,483/mo
Deposit HK$12.40M · loan HK$18.59M · min. income ≈ HK$180,222/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,317,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,332
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,862
−HK$2,567/mo
Today · 4.125%
HK$99,429
baseline
▲ 0.50% · 4.625%
HK$104,670
+HK$5,241/mo
Deposit HK$12.40M · loan HK$18.59M · min. income ≈ HK$198,858/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,317,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,926
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$102,003
−HK$3,127/mo
Today · 4.125%
HK$105,130
baseline
▲ 0.50% · 4.625%
HK$111,527
+HK$6,397/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$210,260/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,317,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,054
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,006
−HK$2,994/mo
Today · 4.125%
HK$116,000
baseline
▲ 0.50% · 4.625%
HK$122,115
+HK$6,115/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$232,000/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,317,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,191
−HK$7,976/mo
▼ 0.25% · 3.875%
HK$131,147
−HK$4,020/mo
Today · 4.125%
HK$135,167
baseline
▲ 0.50% · 4.625%
HK$143,392
+HK$8,225/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$270,334/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,499
−HK$7,644/mo
▼ 0.25% · 3.875%
HK$145,294
−HK$3,849/mo
Today · 4.125%
HK$149,143
baseline
▲ 0.50% · 4.625%
HK$157,005
+HK$7,862/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$298,286/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,010 · Scale 2, in force from 26 Feb 2026)