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$70,711
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,910
−HK$2,235/mo
Today · 4.125%
HK$75,145
baseline
▲ 0.50% · 4.625%
HK$79,717
+HK$4,572/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$150,290/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,317,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,665
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,775
−HK$2,140/mo
Today · 4.125%
HK$82,915
baseline
▲ 0.50% · 4.625%
HK$87,286
+HK$4,371/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$165,830/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,317,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,853
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,492
−HK$2,682/mo
Today · 4.125%
HK$90,174
baseline
▲ 0.50% · 4.625%
HK$95,661
+HK$5,487/mo
Deposit HK$12.40M · loan HK$18.61M · min. income ≈ HK$180,348/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,317,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,398
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$96,930
−HK$2,568/mo
Today · 4.125%
HK$99,498
baseline
▲ 0.50% · 4.625%
HK$104,743
+HK$5,245/mo
Deposit HK$12.40M · loan HK$18.61M · min. income ≈ HK$198,996/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,317,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,995
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,074
−HK$3,129/mo
Today · 4.125%
HK$105,203
baseline
▲ 0.50% · 4.625%
HK$111,604
+HK$6,401/mo
Deposit HK$9.30M · loan HK$21.71M · min. income ≈ HK$210,406/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,317,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,131
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,085
−HK$2,996/mo
Today · 4.125%
HK$116,081
baseline
▲ 0.50% · 4.625%
HK$122,200
+HK$6,119/mo
Deposit HK$9.30M · loan HK$21.71M · min. income ≈ HK$232,162/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,317,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,279
−HK$7,982/mo
▼ 0.25% · 3.875%
HK$131,238
−HK$4,023/mo
Today · 4.125%
HK$135,261
baseline
▲ 0.50% · 4.625%
HK$143,491
+HK$8,230/mo
Deposit HK$3.10M · loan HK$27.91M · min. income ≈ HK$270,522/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,597
−HK$7,650/mo
▼ 0.25% · 3.875%
HK$145,395
−HK$3,852/mo
Today · 4.125%
HK$149,247
baseline
▲ 0.50% · 4.625%
HK$157,114
+HK$7,867/mo
Deposit HK$3.10M · loan HK$27.91M · min. income ≈ HK$298,494/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,925 · Scale 2, in force from 26 Feb 2026)