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$70,761
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,962
−HK$2,237/mo
Today · 4.125%
HK$75,199
baseline
▲ 0.50% · 4.625%
HK$79,774
+HK$4,575/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,398/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,721
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,833
−HK$2,141/mo
Today · 4.125%
HK$82,974
baseline
▲ 0.50% · 4.625%
HK$87,348
+HK$4,374/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$165,948/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,914
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,555
−HK$2,683/mo
Today · 4.125%
HK$90,238
baseline
▲ 0.50% · 4.625%
HK$95,729
+HK$5,491/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$180,476/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,466
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,999
−HK$2,570/mo
Today · 4.125%
HK$99,569
baseline
▲ 0.50% · 4.625%
HK$104,818
+HK$5,249/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$199,138/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,066
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,147
−HK$3,131/mo
Today · 4.125%
HK$105,278
baseline
▲ 0.50% · 4.625%
HK$111,684
+HK$6,406/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$210,556/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,210
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,166
−HK$2,998/mo
Today · 4.125%
HK$116,164
baseline
▲ 0.50% · 4.625%
HK$122,287
+HK$6,123/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$232,328/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,370
−HK$7,988/mo
▼ 0.25% · 3.875%
HK$131,332
−HK$4,026/mo
Today · 4.125%
HK$135,358
baseline
▲ 0.50% · 4.625%
HK$143,594
+HK$8,236/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$270,716/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,698
−HK$7,656/mo
▼ 0.25% · 3.875%
HK$145,499
−HK$3,855/mo
Today · 4.125%
HK$149,354
baseline
▲ 0.50% · 4.625%
HK$157,226
+HK$7,872/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$298,708/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,868 · Scale 2, in force from 26 Feb 2026)