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$70,628
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,825
−HK$2,232/mo
Today · 4.125%
HK$75,057
baseline
▲ 0.50% · 4.625%
HK$79,624
+HK$4,567/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,114/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,573
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,681
−HK$2,137/mo
Today · 4.125%
HK$82,818
baseline
▲ 0.50% · 4.625%
HK$87,184
+HK$4,366/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,636/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,754
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,390
−HK$2,679/mo
Today · 4.125%
HK$90,069
baseline
▲ 0.50% · 4.625%
HK$95,549
+HK$5,480/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$180,138/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,288
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,817
−HK$2,565/mo
Today · 4.125%
HK$99,382
baseline
▲ 0.50% · 4.625%
HK$104,621
+HK$5,239/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$198,764/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,880
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,955
−HK$3,125/mo
Today · 4.125%
HK$105,080
baseline
▲ 0.50% · 4.625%
HK$111,474
+HK$6,394/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$210,160/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,003
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,953
−HK$2,993/mo
Today · 4.125%
HK$115,946
baseline
▲ 0.50% · 4.625%
HK$122,057
+HK$6,111/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$231,892/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,131
−HK$7,972/mo
▼ 0.25% · 3.875%
HK$131,085
−HK$4,018/mo
Today · 4.125%
HK$135,103
baseline
▲ 0.50% · 4.625%
HK$143,324
+HK$8,221/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$270,206/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,432
−HK$7,641/mo
▼ 0.25% · 3.875%
HK$145,225
−HK$3,848/mo
Today · 4.125%
HK$149,073
baseline
▲ 0.50% · 4.625%
HK$156,931
+HK$7,858/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$298,146/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,388 · Scale 2, in force from 26 Feb 2026)