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$70,741
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,941
−HK$2,236/mo
Today · 4.125%
HK$75,177
baseline
▲ 0.50% · 4.625%
HK$79,751
+HK$4,574/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$150,354/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,698
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,809
−HK$2,141/mo
Today · 4.125%
HK$82,950
baseline
▲ 0.50% · 4.625%
HK$87,322
+HK$4,372/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$165,900/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,889
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,529
−HK$2,683/mo
Today · 4.125%
HK$90,212
baseline
▲ 0.50% · 4.625%
HK$95,701
+HK$5,489/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$180,424/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,438
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,970
−HK$2,570/mo
Today · 4.125%
HK$99,540
baseline
▲ 0.50% · 4.625%
HK$104,787
+HK$5,247/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$199,080/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,037
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$102,117
−HK$3,130/mo
Today · 4.125%
HK$105,247
baseline
▲ 0.50% · 4.625%
HK$111,651
+HK$6,404/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$210,494/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,177
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$113,132
−HK$2,998/mo
Today · 4.125%
HK$116,130
baseline
▲ 0.50% · 4.625%
HK$122,251
+HK$6,121/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$232,260/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,333
−HK$7,985/mo
▼ 0.25% · 3.875%
HK$131,294
−HK$4,024/mo
Today · 4.125%
HK$135,318
baseline
▲ 0.50% · 4.625%
HK$143,552
+HK$8,234/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$270,636/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,657
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$145,456
−HK$3,854/mo
Today · 4.125%
HK$149,310
baseline
▲ 0.50% · 4.625%
HK$157,180
+HK$7,870/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$298,620/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,480 · Scale 2, in force from 26 Feb 2026)