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$70,784
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,986
−HK$2,237/mo
Today · 4.125%
HK$75,223
baseline
▲ 0.50% · 4.625%
HK$79,800
+HK$4,577/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,446/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,746
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,858
−HK$2,143/mo
Today · 4.125%
HK$83,001
baseline
▲ 0.50% · 4.625%
HK$87,376
+HK$4,375/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$166,002/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,941
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,583
−HK$2,684/mo
Today · 4.125%
HK$90,267
baseline
▲ 0.50% · 4.625%
HK$95,760
+HK$5,493/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$180,534/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,496
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,030
−HK$2,571/mo
Today · 4.125%
HK$99,601
baseline
▲ 0.50% · 4.625%
HK$104,851
+HK$5,250/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$199,202/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,097
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,180
−HK$3,132/mo
Today · 4.125%
HK$105,312
baseline
▲ 0.50% · 4.625%
HK$111,720
+HK$6,408/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,624/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,245
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,201
−HK$3,000/mo
Today · 4.125%
HK$116,201
baseline
▲ 0.50% · 4.625%
HK$122,326
+HK$6,125/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,402/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,411
−HK$7,990/mo
▼ 0.25% · 3.875%
HK$131,374
−HK$4,027/mo
Today · 4.125%
HK$135,401
baseline
▲ 0.50% · 4.625%
HK$143,639
+HK$8,238/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$270,802/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,743
−HK$7,658/mo
▼ 0.25% · 3.875%
HK$145,545
−HK$3,856/mo
Today · 4.125%
HK$149,401
baseline
▲ 0.50% · 4.625%
HK$157,276
+HK$7,875/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$298,802/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,287 · Scale 2, in force from 26 Feb 2026)