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$70,622
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,819
−HK$2,232/mo
Today · 4.125%
HK$75,051
baseline
▲ 0.50% · 4.625%
HK$79,618
+HK$4,567/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,102/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,567
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,674
−HK$2,137/mo
Today · 4.125%
HK$82,811
baseline
▲ 0.50% · 4.625%
HK$87,177
+HK$4,366/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,622/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,747
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,383
−HK$2,678/mo
Today · 4.125%
HK$90,061
baseline
▲ 0.50% · 4.625%
HK$95,541
+HK$5,480/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$180,122/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,316,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,280
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,809
−HK$2,565/mo
Today · 4.125%
HK$99,374
baseline
▲ 0.50% · 4.625%
HK$104,612
+HK$5,238/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$198,748/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,316,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,871
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,947
−HK$3,124/mo
Today · 4.125%
HK$105,071
baseline
▲ 0.50% · 4.625%
HK$111,465
+HK$6,394/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$210,142/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,993
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,943
−HK$2,993/mo
Today · 4.125%
HK$115,936
baseline
▲ 0.50% · 4.625%
HK$122,047
+HK$6,111/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$231,872/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,120
−HK$7,972/mo
▼ 0.25% · 3.875%
HK$131,074
−HK$4,018/mo
Today · 4.125%
HK$135,092
baseline
▲ 0.50% · 4.625%
HK$143,312
+HK$8,220/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$270,184/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,420
−HK$7,641/mo
▼ 0.25% · 3.875%
HK$145,213
−HK$3,848/mo
Today · 4.125%
HK$149,061
baseline
▲ 0.50% · 4.625%
HK$156,918
+HK$7,857/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$298,122/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,278 · Scale 2, in force from 26 Feb 2026)