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$70,853
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,057
−HK$2,239/mo
Today · 4.125%
HK$75,296
baseline
▲ 0.50% · 4.625%
HK$79,877
+HK$4,581/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$150,592/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,823
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,937
−HK$2,144/mo
Today · 4.125%
HK$83,081
baseline
▲ 0.50% · 4.625%
HK$87,461
+HK$4,380/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$166,162/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,023
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,668
−HK$2,687/mo
Today · 4.125%
HK$90,355
baseline
▲ 0.50% · 4.625%
HK$95,853
+HK$5,498/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$180,710/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,587
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,124
−HK$2,574/mo
Today · 4.125%
HK$99,698
baseline
▲ 0.50% · 4.625%
HK$104,953
+HK$5,255/mo
Deposit HK$12.43M · loan HK$18.64M · min. income ≈ HK$199,396/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,194
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,279
−HK$3,135/mo
Today · 4.125%
HK$105,414
baseline
▲ 0.50% · 4.625%
HK$111,828
+HK$6,414/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$210,828/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,352
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,312
−HK$3,002/mo
Today · 4.125%
HK$116,314
baseline
▲ 0.50% · 4.625%
HK$122,445
+HK$6,131/mo
Deposit HK$9.32M · loan HK$21.75M · min. income ≈ HK$232,628/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,320,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,535
−HK$7,997/mo
▼ 0.25% · 3.875%
HK$131,502
−HK$4,030/mo
Today · 4.125%
HK$135,532
baseline
▲ 0.50% · 4.625%
HK$143,779
+HK$8,247/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$271,064/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,881
−HK$7,666/mo
▼ 0.25% · 3.875%
HK$145,686
−HK$3,861/mo
Today · 4.125%
HK$149,547
baseline
▲ 0.50% · 4.625%
HK$157,429
+HK$7,882/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$299,094/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,571 · Scale 2, in force from 26 Feb 2026)