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$70,759
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,959
−HK$2,237/mo
Today · 4.125%
HK$75,196
baseline
▲ 0.50% · 4.625%
HK$79,771
+HK$4,575/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,392/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,718
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,829
−HK$2,142/mo
Today · 4.125%
HK$82,971
baseline
▲ 0.50% · 4.625%
HK$87,345
+HK$4,374/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$165,942/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,910
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,551
−HK$2,684/mo
Today · 4.125%
HK$90,235
baseline
▲ 0.50% · 4.625%
HK$95,725
+HK$5,490/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$180,470/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,462
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,995
−HK$2,570/mo
Today · 4.125%
HK$99,565
baseline
▲ 0.50% · 4.625%
HK$104,813
+HK$5,248/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$199,130/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,062
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,143
−HK$3,131/mo
Today · 4.125%
HK$105,274
baseline
▲ 0.50% · 4.625%
HK$111,680
+HK$6,406/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$210,548/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,205
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,161
−HK$2,998/mo
Today · 4.125%
HK$116,159
baseline
▲ 0.50% · 4.625%
HK$122,282
+HK$6,123/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$232,318/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,365
−HK$7,987/mo
▼ 0.25% · 3.875%
HK$131,327
−HK$4,025/mo
Today · 4.125%
HK$135,352
baseline
▲ 0.50% · 4.625%
HK$143,588
+HK$8,236/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$270,704/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,693
−HK$7,655/mo
▼ 0.25% · 3.875%
HK$145,493
−HK$3,855/mo
Today · 4.125%
HK$149,348
baseline
▲ 0.50% · 4.625%
HK$157,220
+HK$7,872/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$298,696/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,815 · Scale 2, in force from 26 Feb 2026)