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$70,659
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,857
−HK$2,233/mo
Today · 4.125%
HK$75,090
baseline
▲ 0.50% · 4.625%
HK$79,659
+HK$4,569/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,180/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,608
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,716
−HK$2,138/mo
Today · 4.125%
HK$82,854
baseline
▲ 0.50% · 4.625%
HK$87,222
+HK$4,368/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,708/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,791
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,428
−HK$2,680/mo
Today · 4.125%
HK$90,108
baseline
▲ 0.50% · 4.625%
HK$95,591
+HK$5,483/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$180,216/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,329
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,859
−HK$2,566/mo
Today · 4.125%
HK$99,425
baseline
▲ 0.50% · 4.625%
HK$104,666
+HK$5,241/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$198,850/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,923
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$102,000
−HK$3,126/mo
Today · 4.125%
HK$105,126
baseline
▲ 0.50% · 4.625%
HK$111,523
+HK$6,397/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$210,252/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,051
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$113,002
−HK$2,994/mo
Today · 4.125%
HK$115,996
baseline
▲ 0.50% · 4.625%
HK$122,111
+HK$6,115/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$231,992/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,186
−HK$7,976/mo
▼ 0.25% · 3.875%
HK$131,143
−HK$4,019/mo
Today · 4.125%
HK$135,162
baseline
▲ 0.50% · 4.625%
HK$143,386
+HK$8,224/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$270,324/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,316,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,494
−HK$7,644/mo
▼ 0.25% · 3.875%
HK$145,288
−HK$3,850/mo
Today · 4.125%
HK$149,138
baseline
▲ 0.50% · 4.625%
HK$156,999
+HK$7,861/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$298,276/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,316,963 · Scale 2, in force from 26 Feb 2026)