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$70,794
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,996
−HK$2,237/mo
Today · 4.125%
HK$75,233
baseline
▲ 0.50% · 4.625%
HK$79,811
+HK$4,578/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,466/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,757
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,870
−HK$2,142/mo
Today · 4.125%
HK$83,012
baseline
▲ 0.50% · 4.625%
HK$87,388
+HK$4,376/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$166,024/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,953
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,595
−HK$2,685/mo
Today · 4.125%
HK$90,280
baseline
▲ 0.50% · 4.625%
HK$95,773
+HK$5,493/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$180,560/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,509
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,044
−HK$2,571/mo
Today · 4.125%
HK$99,615
baseline
▲ 0.50% · 4.625%
HK$104,866
+HK$5,251/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$199,230/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,111
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,194
−HK$3,132/mo
Today · 4.125%
HK$105,326
baseline
▲ 0.50% · 4.625%
HK$111,735
+HK$6,409/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,652/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,260
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$113,217
−HK$3,000/mo
Today · 4.125%
HK$116,217
baseline
▲ 0.50% · 4.625%
HK$122,343
+HK$6,126/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,434/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,429
−HK$7,991/mo
▼ 0.25% · 3.875%
HK$131,393
−HK$4,027/mo
Today · 4.125%
HK$135,420
baseline
▲ 0.50% · 4.625%
HK$143,660
+HK$8,240/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$270,840/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,763
−HK$7,659/mo
▼ 0.25% · 3.875%
HK$145,565
−HK$3,857/mo
Today · 4.125%
HK$149,422
baseline
▲ 0.50% · 4.625%
HK$157,299
+HK$7,877/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$298,844/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,473 · Scale 2, in force from 26 Feb 2026)