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$70,742
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,942
−HK$2,236/mo
Today · 4.125%
HK$75,178
baseline
▲ 0.50% · 4.625%
HK$79,752
+HK$4,574/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$150,356/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,699
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,810
−HK$2,141/mo
Today · 4.125%
HK$82,951
baseline
▲ 0.50% · 4.625%
HK$87,324
+HK$4,373/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$165,902/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,890
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,531
−HK$2,682/mo
Today · 4.125%
HK$90,213
baseline
▲ 0.50% · 4.625%
HK$95,703
+HK$5,490/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$180,426/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,439
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,972
−HK$2,570/mo
Today · 4.125%
HK$99,542
baseline
▲ 0.50% · 4.625%
HK$104,789
+HK$5,247/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$199,084/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,038
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$102,119
−HK$3,130/mo
Today · 4.125%
HK$105,249
baseline
▲ 0.50% · 4.625%
HK$111,653
+HK$6,404/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$210,498/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,179
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$113,134
−HK$2,998/mo
Today · 4.125%
HK$116,132
baseline
▲ 0.50% · 4.625%
HK$122,253
+HK$6,121/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$232,264/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,335
−HK$7,985/mo
▼ 0.25% · 3.875%
HK$131,296
−HK$4,024/mo
Today · 4.125%
HK$135,320
baseline
▲ 0.50% · 4.625%
HK$143,554
+HK$8,234/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$270,640/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,659
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$145,458
−HK$3,854/mo
Today · 4.125%
HK$149,312
baseline
▲ 0.50% · 4.625%
HK$157,183
+HK$7,871/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$298,624/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,503 · Scale 2, in force from 26 Feb 2026)