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$70,652
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,850
−HK$2,233/mo
Today · 4.125%
HK$75,083
baseline
▲ 0.50% · 4.625%
HK$79,651
+HK$4,568/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,166/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,600
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,708
−HK$2,138/mo
Today · 4.125%
HK$82,846
baseline
▲ 0.50% · 4.625%
HK$87,213
+HK$4,367/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,692/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,782
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,420
−HK$2,679/mo
Today · 4.125%
HK$90,099
baseline
▲ 0.50% · 4.625%
HK$95,581
+HK$5,482/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$180,198/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,320
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,849
−HK$2,566/mo
Today · 4.125%
HK$99,415
baseline
▲ 0.50% · 4.625%
HK$104,656
+HK$5,241/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$198,830/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,913
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$101,990
−HK$3,126/mo
Today · 4.125%
HK$105,116
baseline
▲ 0.50% · 4.625%
HK$111,512
+HK$6,396/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$210,232/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,040
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$112,991
−HK$2,994/mo
Today · 4.125%
HK$115,985
baseline
▲ 0.50% · 4.625%
HK$122,098
+HK$6,113/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$231,970/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,174
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$131,129
−HK$4,020/mo
Today · 4.125%
HK$135,149
baseline
▲ 0.50% · 4.625%
HK$143,372
+HK$8,223/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$270,298/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,316,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,479
−HK$7,644/mo
▼ 0.25% · 3.875%
HK$145,274
−HK$3,849/mo
Today · 4.125%
HK$149,123
baseline
▲ 0.50% · 4.625%
HK$156,984
+HK$7,861/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$298,246/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,316,831 · Scale 2, in force from 26 Feb 2026)