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$70,774
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,975
−HK$2,237/mo
Today · 4.125%
HK$75,212
baseline
▲ 0.50% · 4.625%
HK$79,788
+HK$4,576/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,424/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,735
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,847
−HK$2,142/mo
Today · 4.125%
HK$82,989
baseline
▲ 0.50% · 4.625%
HK$87,363
+HK$4,374/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$165,978/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,928
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,570
−HK$2,684/mo
Today · 4.125%
HK$90,254
baseline
▲ 0.50% · 4.625%
HK$95,746
+HK$5,492/mo
Deposit HK$12.42M · loan HK$18.62M · min. income ≈ HK$180,508/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,319,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,482
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$97,016
−HK$2,570/mo
Today · 4.125%
HK$99,586
baseline
▲ 0.50% · 4.625%
HK$104,836
+HK$5,250/mo
Deposit HK$12.42M · loan HK$18.62M · min. income ≈ HK$199,172/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,319,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,083
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,165
−HK$3,131/mo
Today · 4.125%
HK$105,296
baseline
▲ 0.50% · 4.625%
HK$111,703
+HK$6,407/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,592/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,229
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,185
−HK$2,999/mo
Today · 4.125%
HK$116,184
baseline
▲ 0.50% · 4.625%
HK$122,308
+HK$6,124/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,368/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,393
−HK$7,988/mo
▼ 0.25% · 3.875%
HK$131,355
−HK$4,026/mo
Today · 4.125%
HK$135,381
baseline
▲ 0.50% · 4.625%
HK$143,619
+HK$8,238/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$270,762/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,723
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$145,524
−HK$3,856/mo
Today · 4.125%
HK$149,380
baseline
▲ 0.50% · 4.625%
HK$157,254
+HK$7,874/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$298,760/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,097 · Scale 2, in force from 26 Feb 2026)