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$70,718
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,918
−HK$2,235/mo
Today · 4.125%
HK$75,153
baseline
▲ 0.50% · 4.625%
HK$79,725
+HK$4,572/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$150,306/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,318,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,673
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,783
−HK$2,140/mo
Today · 4.125%
HK$82,923
baseline
▲ 0.50% · 4.625%
HK$87,294
+HK$4,371/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$165,846/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,318,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,861
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$87,501
−HK$2,682/mo
Today · 4.125%
HK$90,183
baseline
▲ 0.50% · 4.625%
HK$95,670
+HK$5,487/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$180,366/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,318,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,408
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$96,939
−HK$2,569/mo
Today · 4.125%
HK$99,508
baseline
▲ 0.50% · 4.625%
HK$104,753
+HK$5,245/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$199,016/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,318,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,005
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$102,085
−HK$3,129/mo
Today · 4.125%
HK$105,214
baseline
▲ 0.50% · 4.625%
HK$111,616
+HK$6,402/mo
Deposit HK$9.30M · loan HK$21.71M · min. income ≈ HK$210,428/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,318,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,142
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$113,096
−HK$2,997/mo
Today · 4.125%
HK$116,093
baseline
▲ 0.50% · 4.625%
HK$122,212
+HK$6,119/mo
Deposit HK$9.30M · loan HK$21.71M · min. income ≈ HK$232,186/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,318,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,292
−HK$7,983/mo
▼ 0.25% · 3.875%
HK$131,252
−HK$4,023/mo
Today · 4.125%
HK$135,275
baseline
▲ 0.50% · 4.625%
HK$143,506
+HK$8,231/mo
Deposit HK$3.10M · loan HK$27.91M · min. income ≈ HK$270,550/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,611
−HK$7,651/mo
▼ 0.25% · 3.875%
HK$145,409
−HK$3,853/mo
Today · 4.125%
HK$149,262
baseline
▲ 0.50% · 4.625%
HK$157,130
+HK$7,868/mo
Deposit HK$3.10M · loan HK$27.91M · min. income ≈ HK$298,524/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,059 · Scale 2, in force from 26 Feb 2026)