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$70,624
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,820
−HK$2,232/mo
Today · 4.125%
HK$75,052
baseline
▲ 0.50% · 4.625%
HK$79,619
+HK$4,567/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,104/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,568
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,675
−HK$2,138/mo
Today · 4.125%
HK$82,813
baseline
▲ 0.50% · 4.625%
HK$87,178
+HK$4,365/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,626/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,748
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,384
−HK$2,679/mo
Today · 4.125%
HK$90,063
baseline
▲ 0.50% · 4.625%
HK$95,543
+HK$5,480/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$180,126/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,282
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,810
−HK$2,565/mo
Today · 4.125%
HK$99,375
baseline
▲ 0.50% · 4.625%
HK$104,614
+HK$5,239/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$198,750/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,873
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,949
−HK$3,124/mo
Today · 4.125%
HK$105,073
baseline
▲ 0.50% · 4.625%
HK$111,467
+HK$6,394/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$210,146/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,995
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,945
−HK$2,993/mo
Today · 4.125%
HK$115,938
baseline
▲ 0.50% · 4.625%
HK$122,049
+HK$6,111/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$231,876/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,122
−HK$7,972/mo
▼ 0.25% · 3.875%
HK$131,077
−HK$4,017/mo
Today · 4.125%
HK$135,094
baseline
▲ 0.50% · 4.625%
HK$143,314
+HK$8,220/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$270,188/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,422
−HK$7,641/mo
▼ 0.25% · 3.875%
HK$145,215
−HK$3,848/mo
Today · 4.125%
HK$149,063
baseline
▲ 0.50% · 4.625%
HK$156,920
+HK$7,857/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$298,126/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,301 · Scale 2, in force from 26 Feb 2026)