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$70,750
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,950
−HK$2,236/mo
Today · 4.125%
HK$75,186
baseline
▲ 0.50% · 4.625%
HK$79,761
+HK$4,575/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$150,372/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,708
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,819
−HK$2,142/mo
Today · 4.125%
HK$82,961
baseline
▲ 0.50% · 4.625%
HK$87,334
+HK$4,373/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$165,922/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,900
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,540
−HK$2,683/mo
Today · 4.125%
HK$90,223
baseline
▲ 0.50% · 4.625%
HK$95,713
+HK$5,490/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$180,446/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,450
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,983
−HK$2,570/mo
Today · 4.125%
HK$99,553
baseline
▲ 0.50% · 4.625%
HK$104,800
+HK$5,247/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$199,106/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,049
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,130
−HK$3,131/mo
Today · 4.125%
HK$105,261
baseline
▲ 0.50% · 4.625%
HK$111,666
+HK$6,405/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$210,522/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,192
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$113,147
−HK$2,998/mo
Today · 4.125%
HK$116,145
baseline
▲ 0.50% · 4.625%
HK$122,267
+HK$6,122/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$232,290/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,349
−HK$7,986/mo
▼ 0.25% · 3.875%
HK$131,311
−HK$4,024/mo
Today · 4.125%
HK$135,335
baseline
▲ 0.50% · 4.625%
HK$143,570
+HK$8,235/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$270,670/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,675
−HK$7,654/mo
▼ 0.25% · 3.875%
HK$145,474
−HK$3,855/mo
Today · 4.125%
HK$149,329
baseline
▲ 0.50% · 4.625%
HK$157,200
+HK$7,871/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$298,658/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,649 · Scale 2, in force from 26 Feb 2026)