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$70,907
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,113
−HK$2,240/mo
Today · 4.125%
HK$75,353
baseline
▲ 0.50% · 4.625%
HK$79,939
+HK$4,586/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$150,706/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,883
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$80,999
−HK$2,146/mo
Today · 4.125%
HK$83,145
baseline
▲ 0.50% · 4.625%
HK$87,528
+HK$4,383/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$166,290/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,088
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$87,735
−HK$2,689/mo
Today · 4.125%
HK$90,424
baseline
▲ 0.50% · 4.625%
HK$95,926
+HK$5,502/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$180,848/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,660
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$97,199
−HK$2,575/mo
Today · 4.125%
HK$99,774
baseline
▲ 0.50% · 4.625%
HK$105,033
+HK$5,259/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$199,548/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,270
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$102,358
−HK$3,137/mo
Today · 4.125%
HK$105,495
baseline
▲ 0.50% · 4.625%
HK$111,914
+HK$6,419/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$210,990/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,437
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,398
−HK$3,005/mo
Today · 4.125%
HK$116,403
baseline
▲ 0.50% · 4.625%
HK$122,539
+HK$6,136/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$232,806/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,633
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$131,603
−HK$4,033/mo
Today · 4.125%
HK$135,636
baseline
▲ 0.50% · 4.625%
HK$143,889
+HK$8,253/mo
Deposit HK$3.11M · loan HK$27.99M · min. income ≈ HK$271,272/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,990
−HK$7,671/mo
▼ 0.25% · 3.875%
HK$145,798
−HK$3,863/mo
Today · 4.125%
HK$149,661
baseline
▲ 0.50% · 4.625%
HK$157,550
+HK$7,889/mo
Deposit HK$3.11M · loan HK$27.99M · min. income ≈ HK$299,322/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,583 · Scale 2, in force from 26 Feb 2026)