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$70,796
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$72,998
−HK$2,238/mo
Today · 4.125%
HK$75,236
baseline
▲ 0.50% · 4.625%
HK$79,814
+HK$4,578/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,472/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,760
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,872
−HK$2,143/mo
Today · 4.125%
HK$83,015
baseline
▲ 0.50% · 4.625%
HK$87,391
+HK$4,376/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$166,030/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,955
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,598
−HK$2,685/mo
Today · 4.125%
HK$90,283
baseline
▲ 0.50% · 4.625%
HK$95,776
+HK$5,493/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$180,566/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,512
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,047
−HK$2,571/mo
Today · 4.125%
HK$99,618
baseline
▲ 0.50% · 4.625%
HK$104,869
+HK$5,251/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$199,236/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,115
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,198
−HK$3,132/mo
Today · 4.125%
HK$105,330
baseline
▲ 0.50% · 4.625%
HK$111,739
+HK$6,409/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,660/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,264
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$113,221
−HK$3,000/mo
Today · 4.125%
HK$116,221
baseline
▲ 0.50% · 4.625%
HK$122,347
+HK$6,126/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,442/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,433
−HK$7,991/mo
▼ 0.25% · 3.875%
HK$131,397
−HK$4,027/mo
Today · 4.125%
HK$135,424
baseline
▲ 0.50% · 4.625%
HK$143,664
+HK$8,240/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$270,848/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,768
−HK$7,659/mo
▼ 0.25% · 3.875%
HK$145,570
−HK$3,857/mo
Today · 4.125%
HK$149,427
baseline
▲ 0.50% · 4.625%
HK$157,304
+HK$7,877/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$298,854/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,516 · Scale 2, in force from 26 Feb 2026)