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$70,649
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,846
−HK$2,233/mo
Today · 4.125%
HK$75,079
baseline
▲ 0.50% · 4.625%
HK$79,647
+HK$4,568/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,158/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,596
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,704
−HK$2,138/mo
Today · 4.125%
HK$82,842
baseline
▲ 0.50% · 4.625%
HK$87,209
+HK$4,367/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,684/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,778
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,416
−HK$2,679/mo
Today · 4.125%
HK$90,095
baseline
▲ 0.50% · 4.625%
HK$95,577
+HK$5,482/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$180,190/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,315
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,845
−HK$2,566/mo
Today · 4.125%
HK$99,411
baseline
▲ 0.50% · 4.625%
HK$104,651
+HK$5,240/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$198,822/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,908
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$101,985
−HK$3,126/mo
Today · 4.125%
HK$105,111
baseline
▲ 0.50% · 4.625%
HK$111,506
+HK$6,395/mo
Deposit HK$9.29M · loan HK$21.69M · min. income ≈ HK$210,222/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,034
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$112,985
−HK$2,994/mo
Today · 4.125%
HK$115,979
baseline
▲ 0.50% · 4.625%
HK$122,093
+HK$6,114/mo
Deposit HK$9.29M · loan HK$21.69M · min. income ≈ HK$231,958/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,168
−HK$7,974/mo
▼ 0.25% · 3.875%
HK$131,123
−HK$4,019/mo
Today · 4.125%
HK$135,142
baseline
▲ 0.50% · 4.625%
HK$143,365
+HK$8,223/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$270,284/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,316,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,473
−HK$7,643/mo
▼ 0.25% · 3.875%
HK$145,267
−HK$3,849/mo
Today · 4.125%
HK$149,116
baseline
▲ 0.50% · 4.625%
HK$156,976
+HK$7,860/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$298,232/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,316,769 · Scale 2, in force from 26 Feb 2026)