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$70,732
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,932
−HK$2,236/mo
Today · 4.125%
HK$75,168
baseline
▲ 0.50% · 4.625%
HK$79,741
+HK$4,573/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$150,336/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,689
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,799
−HK$2,141/mo
Today · 4.125%
HK$82,940
baseline
▲ 0.50% · 4.625%
HK$87,312
+HK$4,372/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$165,880/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,878
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,519
−HK$2,682/mo
Today · 4.125%
HK$90,201
baseline
▲ 0.50% · 4.625%
HK$95,690
+HK$5,489/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$180,402/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,426
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,959
−HK$2,569/mo
Today · 4.125%
HK$99,528
baseline
▲ 0.50% · 4.625%
HK$104,774
+HK$5,246/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$199,056/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,025
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$102,105
−HK$3,130/mo
Today · 4.125%
HK$105,235
baseline
▲ 0.50% · 4.625%
HK$111,638
+HK$6,403/mo
Deposit HK$9.31M · loan HK$21.71M · min. income ≈ HK$210,470/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,318,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,164
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$113,119
−HK$2,997/mo
Today · 4.125%
HK$116,116
baseline
▲ 0.50% · 4.625%
HK$122,237
+HK$6,121/mo
Deposit HK$9.31M · loan HK$21.71M · min. income ≈ HK$232,232/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,318,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,318
−HK$7,984/mo
▼ 0.25% · 3.875%
HK$131,278
−HK$4,024/mo
Today · 4.125%
HK$135,302
baseline
▲ 0.50% · 4.625%
HK$143,534
+HK$8,232/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$270,604/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,640
−HK$7,652/mo
▼ 0.25% · 3.875%
HK$145,438
−HK$3,854/mo
Today · 4.125%
HK$149,292
baseline
▲ 0.50% · 4.625%
HK$157,161
+HK$7,869/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$298,584/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,321 · Scale 2, in force from 26 Feb 2026)