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$70,689
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,888
−HK$2,233/mo
Today · 4.125%
HK$75,121
baseline
▲ 0.50% · 4.625%
HK$79,692
+HK$4,571/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$150,242/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,317,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,640
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,750
−HK$2,139/mo
Today · 4.125%
HK$82,889
baseline
▲ 0.50% · 4.625%
HK$87,258
+HK$4,369/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$165,778/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,317,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,826
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,465
−HK$2,681/mo
Today · 4.125%
HK$90,146
baseline
▲ 0.50% · 4.625%
HK$95,631
+HK$5,485/mo
Deposit HK$12.40M · loan HK$18.60M · min. income ≈ HK$180,292/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,317,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,369
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,899
−HK$2,568/mo
Today · 4.125%
HK$99,467
baseline
▲ 0.50% · 4.625%
HK$104,710
+HK$5,243/mo
Deposit HK$12.40M · loan HK$18.60M · min. income ≈ HK$198,934/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,317,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,964
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,043
−HK$3,127/mo
Today · 4.125%
HK$105,170
baseline
▲ 0.50% · 4.625%
HK$111,569
+HK$6,399/mo
Deposit HK$9.30M · loan HK$21.70M · min. income ≈ HK$210,340/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,317,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,097
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$113,049
−HK$2,996/mo
Today · 4.125%
HK$116,045
baseline
▲ 0.50% · 4.625%
HK$122,162
+HK$6,117/mo
Deposit HK$9.30M · loan HK$21.70M · min. income ≈ HK$232,090/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,317,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,240
−HK$7,979/mo
▼ 0.25% · 3.875%
HK$131,198
−HK$4,021/mo
Today · 4.125%
HK$135,219
baseline
▲ 0.50% · 4.625%
HK$143,446
+HK$8,227/mo
Deposit HK$3.10M · loan HK$27.90M · min. income ≈ HK$270,438/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,553
−HK$7,647/mo
▼ 0.25% · 3.875%
HK$145,349
−HK$3,851/mo
Today · 4.125%
HK$149,200
baseline
▲ 0.50% · 4.625%
HK$157,065
+HK$7,865/mo
Deposit HK$3.10M · loan HK$27.90M · min. income ≈ HK$298,400/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,514 · Scale 2, in force from 26 Feb 2026)