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$70,778
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,980
−HK$2,237/mo
Today · 4.125%
HK$75,217
baseline
▲ 0.50% · 4.625%
HK$79,793
+HK$4,576/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,434/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,740
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,852
−HK$2,142/mo
Today · 4.125%
HK$82,994
baseline
▲ 0.50% · 4.625%
HK$87,369
+HK$4,375/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$165,988/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,934
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,576
−HK$2,684/mo
Today · 4.125%
HK$90,260
baseline
▲ 0.50% · 4.625%
HK$95,752
+HK$5,492/mo
Deposit HK$12.42M · loan HK$18.62M · min. income ≈ HK$180,520/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,488
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,022
−HK$2,571/mo
Today · 4.125%
HK$99,593
baseline
▲ 0.50% · 4.625%
HK$104,843
+HK$5,250/mo
Deposit HK$12.42M · loan HK$18.62M · min. income ≈ HK$199,186/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,089
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$102,172
−HK$3,131/mo
Today · 4.125%
HK$105,303
baseline
▲ 0.50% · 4.625%
HK$111,711
+HK$6,408/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,606/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,236
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,192
−HK$3,000/mo
Today · 4.125%
HK$116,192
baseline
▲ 0.50% · 4.625%
HK$122,316
+HK$6,124/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,384/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,401
−HK$7,989/mo
▼ 0.25% · 3.875%
HK$131,364
−HK$4,026/mo
Today · 4.125%
HK$135,390
baseline
▲ 0.50% · 4.625%
HK$143,628
+HK$8,238/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$270,780/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,732
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$145,533
−HK$3,856/mo
Today · 4.125%
HK$149,389
baseline
▲ 0.50% · 4.625%
HK$157,264
+HK$7,875/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$298,778/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,182 · Scale 2, in force from 26 Feb 2026)