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$70,612
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,809
−HK$2,231/mo
Today · 4.125%
HK$75,040
baseline
▲ 0.50% · 4.625%
HK$79,606
+HK$4,566/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,080/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,555
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,662
−HK$2,137/mo
Today · 4.125%
HK$82,799
baseline
▲ 0.50% · 4.625%
HK$87,164
+HK$4,365/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,598/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,735
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,370
−HK$2,678/mo
Today · 4.125%
HK$90,048
baseline
▲ 0.50% · 4.625%
HK$95,527
+HK$5,479/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$180,096/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,316,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,266
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,795
−HK$2,564/mo
Today · 4.125%
HK$99,359
baseline
▲ 0.50% · 4.625%
HK$104,597
+HK$5,238/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$198,718/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,316,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,857
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,932
−HK$3,124/mo
Today · 4.125%
HK$105,056
baseline
▲ 0.50% · 4.625%
HK$111,449
+HK$6,393/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$210,112/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,978
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,927
−HK$2,992/mo
Today · 4.125%
HK$115,919
baseline
▲ 0.50% · 4.625%
HK$122,030
+HK$6,111/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$231,838/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,102
−HK$7,970/mo
▼ 0.25% · 3.875%
HK$131,056
−HK$4,016/mo
Today · 4.125%
HK$135,072
baseline
▲ 0.50% · 4.625%
HK$143,291
+HK$8,219/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$270,144/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,400
−HK$7,639/mo
▼ 0.25% · 3.875%
HK$145,192
−HK$3,847/mo
Today · 4.125%
HK$149,039
baseline
▲ 0.50% · 4.625%
HK$156,895
+HK$7,856/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$298,078/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,089 · Scale 2, in force from 26 Feb 2026)