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$70,636
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,833
−HK$2,232/mo
Today · 4.125%
HK$75,065
baseline
▲ 0.50% · 4.625%
HK$79,633
+HK$4,568/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,130/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,582
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,689
−HK$2,138/mo
Today · 4.125%
HK$82,827
baseline
▲ 0.50% · 4.625%
HK$87,193
+HK$4,366/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,654/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,763
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,400
−HK$2,678/mo
Today · 4.125%
HK$90,078
baseline
▲ 0.50% · 4.625%
HK$95,560
+HK$5,482/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$180,156/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,298
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,827
−HK$2,566/mo
Today · 4.125%
HK$99,393
baseline
▲ 0.50% · 4.625%
HK$104,632
+HK$5,239/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$198,786/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,890
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,966
−HK$3,126/mo
Today · 4.125%
HK$105,092
baseline
▲ 0.50% · 4.625%
HK$111,486
+HK$6,394/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$210,184/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,014
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,965
−HK$2,993/mo
Today · 4.125%
HK$115,958
baseline
▲ 0.50% · 4.625%
HK$122,070
+HK$6,112/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$231,916/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,145
−HK$7,973/mo
▼ 0.25% · 3.875%
HK$131,100
−HK$4,018/mo
Today · 4.125%
HK$135,118
baseline
▲ 0.50% · 4.625%
HK$143,339
+HK$8,221/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$270,236/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,447
−HK$7,642/mo
▼ 0.25% · 3.875%
HK$145,241
−HK$3,848/mo
Today · 4.125%
HK$149,089
baseline
▲ 0.50% · 4.625%
HK$156,948
+HK$7,859/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$298,178/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,530 · Scale 2, in force from 26 Feb 2026)