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$70,787
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,989
−HK$2,237/mo
Today · 4.125%
HK$75,226
baseline
▲ 0.50% · 4.625%
HK$79,803
+HK$4,577/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,452/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,750
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,862
−HK$2,142/mo
Today · 4.125%
HK$83,004
baseline
▲ 0.50% · 4.625%
HK$87,380
+HK$4,376/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$166,008/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,944
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,587
−HK$2,684/mo
Today · 4.125%
HK$90,271
baseline
▲ 0.50% · 4.625%
HK$95,764
+HK$5,493/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$180,542/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,500
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,034
−HK$2,571/mo
Today · 4.125%
HK$99,605
baseline
▲ 0.50% · 4.625%
HK$104,856
+HK$5,251/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$199,210/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,102
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$102,184
−HK$3,132/mo
Today · 4.125%
HK$105,316
baseline
▲ 0.50% · 4.625%
HK$111,725
+HK$6,409/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,632/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,250
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,207
−HK$2,999/mo
Today · 4.125%
HK$116,206
baseline
▲ 0.50% · 4.625%
HK$122,332
+HK$6,126/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,412/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,417
−HK$7,990/mo
▼ 0.25% · 3.875%
HK$131,380
−HK$4,027/mo
Today · 4.125%
HK$135,407
baseline
▲ 0.50% · 4.625%
HK$143,646
+HK$8,239/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$270,814/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,750
−HK$7,658/mo
▼ 0.25% · 3.875%
HK$145,551
−HK$3,857/mo
Today · 4.125%
HK$149,408
baseline
▲ 0.50% · 4.625%
HK$157,284
+HK$7,876/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$298,816/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,347 · Scale 2, in force from 26 Feb 2026)