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$70,606
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,802
−HK$2,231/mo
Today · 4.125%
HK$75,033
baseline
▲ 0.50% · 4.625%
HK$79,599
+HK$4,566/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,066/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,315,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,548
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,655
−HK$2,137/mo
Today · 4.125%
HK$82,792
baseline
▲ 0.50% · 4.625%
HK$87,156
+HK$4,364/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,584/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,315,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,727
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,362
−HK$2,678/mo
Today · 4.125%
HK$90,040
baseline
▲ 0.50% · 4.625%
HK$95,518
+HK$5,478/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$180,080/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,258
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$96,785
−HK$2,565/mo
Today · 4.125%
HK$99,350
baseline
▲ 0.50% · 4.625%
HK$104,587
+HK$5,237/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$198,700/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,848
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$101,922
−HK$3,124/mo
Today · 4.125%
HK$105,046
baseline
▲ 0.50% · 4.625%
HK$111,438
+HK$6,392/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$210,092/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,315,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,967
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,916
−HK$2,992/mo
Today · 4.125%
HK$115,908
baseline
▲ 0.50% · 4.625%
HK$122,018
+HK$6,110/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$231,816/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,315,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,090
−HK$7,970/mo
▼ 0.25% · 3.875%
HK$131,043
−HK$4,017/mo
Today · 4.125%
HK$135,060
baseline
▲ 0.50% · 4.625%
HK$143,278
+HK$8,218/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$270,120/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,386
−HK$7,639/mo
▼ 0.25% · 3.875%
HK$145,178
−HK$3,847/mo
Today · 4.125%
HK$149,025
baseline
▲ 0.50% · 4.625%
HK$156,880
+HK$7,855/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$298,050/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,964 · Scale 2, in force from 26 Feb 2026)