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$70,772
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,974
−HK$2,236/mo
Today · 4.125%
HK$75,210
baseline
▲ 0.50% · 4.625%
HK$79,787
+HK$4,577/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,420/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,733
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,845
−HK$2,142/mo
Today · 4.125%
HK$82,987
baseline
▲ 0.50% · 4.625%
HK$87,361
+HK$4,374/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$165,974/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,927
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,568
−HK$2,684/mo
Today · 4.125%
HK$90,252
baseline
▲ 0.50% · 4.625%
HK$95,744
+HK$5,492/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$180,504/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,319,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,480
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,014
−HK$2,571/mo
Today · 4.125%
HK$99,585
baseline
▲ 0.50% · 4.625%
HK$104,834
+HK$5,249/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$199,170/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,319,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,081
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,163
−HK$3,131/mo
Today · 4.125%
HK$105,294
baseline
▲ 0.50% · 4.625%
HK$111,701
+HK$6,407/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,588/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,227
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,183
−HK$2,999/mo
Today · 4.125%
HK$116,182
baseline
▲ 0.50% · 4.625%
HK$122,306
+HK$6,124/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,364/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,390
−HK$7,988/mo
▼ 0.25% · 3.875%
HK$131,353
−HK$4,025/mo
Today · 4.125%
HK$135,378
baseline
▲ 0.50% · 4.625%
HK$143,616
+HK$8,238/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$270,756/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,720
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$145,521
−HK$3,856/mo
Today · 4.125%
HK$149,377
baseline
▲ 0.50% · 4.625%
HK$157,251
+HK$7,874/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$298,754/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,071 · Scale 2, in force from 26 Feb 2026)