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$70,747
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,948
−HK$2,236/mo
Today · 4.125%
HK$75,184
baseline
▲ 0.50% · 4.625%
HK$79,758
+HK$4,574/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$150,368/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,705
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,816
−HK$2,142/mo
Today · 4.125%
HK$82,958
baseline
▲ 0.50% · 4.625%
HK$87,330
+HK$4,372/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$165,916/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,897
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,537
−HK$2,683/mo
Today · 4.125%
HK$90,220
baseline
▲ 0.50% · 4.625%
HK$95,710
+HK$5,490/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$180,440/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,447
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,980
−HK$2,569/mo
Today · 4.125%
HK$99,549
baseline
▲ 0.50% · 4.625%
HK$104,797
+HK$5,248/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$199,098/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,046
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$102,127
−HK$3,130/mo
Today · 4.125%
HK$105,257
baseline
▲ 0.50% · 4.625%
HK$111,662
+HK$6,405/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$210,514/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,188
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$113,143
−HK$2,998/mo
Today · 4.125%
HK$116,141
baseline
▲ 0.50% · 4.625%
HK$122,263
+HK$6,122/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$232,282/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,345
−HK$7,985/mo
▼ 0.25% · 3.875%
HK$131,306
−HK$4,024/mo
Today · 4.125%
HK$135,330
baseline
▲ 0.50% · 4.625%
HK$143,565
+HK$8,235/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$270,660/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,670
−HK$7,654/mo
▼ 0.25% · 3.875%
HK$145,469
−HK$3,855/mo
Today · 4.125%
HK$149,324
baseline
▲ 0.50% · 4.625%
HK$157,195
+HK$7,871/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$298,648/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,603 · Scale 2, in force from 26 Feb 2026)