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$70,737
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,938
−HK$2,235/mo
Today · 4.125%
HK$75,173
baseline
▲ 0.50% · 4.625%
HK$79,747
+HK$4,574/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$150,346/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,694
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,805
−HK$2,141/mo
Today · 4.125%
HK$82,946
baseline
▲ 0.50% · 4.625%
HK$87,318
+HK$4,372/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$165,892/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,885
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,525
−HK$2,683/mo
Today · 4.125%
HK$90,208
baseline
▲ 0.50% · 4.625%
HK$95,697
+HK$5,489/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$180,416/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,433
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,966
−HK$2,569/mo
Today · 4.125%
HK$99,535
baseline
▲ 0.50% · 4.625%
HK$104,782
+HK$5,247/mo
Deposit HK$12.41M · loan HK$18.61M · min. income ≈ HK$199,070/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,032
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$102,113
−HK$3,129/mo
Today · 4.125%
HK$105,242
baseline
▲ 0.50% · 4.625%
HK$111,646
+HK$6,404/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$210,484/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,318,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,172
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$113,127
−HK$2,997/mo
Today · 4.125%
HK$116,124
baseline
▲ 0.50% · 4.625%
HK$122,246
+HK$6,122/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$232,248/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,318,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,327
−HK$7,984/mo
▼ 0.25% · 3.875%
HK$131,288
−HK$4,023/mo
Today · 4.125%
HK$135,311
baseline
▲ 0.50% · 4.625%
HK$143,545
+HK$8,234/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$270,622/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,650
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$145,449
−HK$3,854/mo
Today · 4.125%
HK$149,303
baseline
▲ 0.50% · 4.625%
HK$157,173
+HK$7,870/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$298,606/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,418 · Scale 2, in force from 26 Feb 2026)