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$70,601
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,797
−HK$2,231/mo
Today · 4.125%
HK$75,028
baseline
▲ 0.50% · 4.625%
HK$79,594
+HK$4,566/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,056/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,315,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,543
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,649
−HK$2,137/mo
Today · 4.125%
HK$82,786
baseline
▲ 0.50% · 4.625%
HK$87,150
+HK$4,364/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,572/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,315,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,721
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,356
−HK$2,678/mo
Today · 4.125%
HK$90,034
baseline
▲ 0.50% · 4.625%
HK$95,512
+HK$5,478/mo
Deposit HK$12.38M · loan HK$18.58M · min. income ≈ HK$180,068/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,251
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$96,779
−HK$2,564/mo
Today · 4.125%
HK$99,343
baseline
▲ 0.50% · 4.625%
HK$104,580
+HK$5,237/mo
Deposit HK$12.38M · loan HK$18.58M · min. income ≈ HK$198,686/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,841
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,916
−HK$3,124/mo
Today · 4.125%
HK$105,040
baseline
▲ 0.50% · 4.625%
HK$111,431
+HK$6,391/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$210,080/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,960
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,909
−HK$2,992/mo
Today · 4.125%
HK$115,901
baseline
▲ 0.50% · 4.625%
HK$122,010
+HK$6,109/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$231,802/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,082
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$131,035
−HK$4,016/mo
Today · 4.125%
HK$135,051
baseline
▲ 0.50% · 4.625%
HK$143,268
+HK$8,217/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$270,102/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,377
−HK$7,638/mo
▼ 0.25% · 3.875%
HK$145,169
−HK$3,846/mo
Today · 4.125%
HK$149,015
baseline
▲ 0.50% · 4.625%
HK$156,870
+HK$7,855/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$298,030/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,878 · Scale 2, in force from 26 Feb 2026)