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$70,672
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,870
−HK$2,234/mo
Today · 4.125%
HK$75,104
baseline
▲ 0.50% · 4.625%
HK$79,674
+HK$4,570/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$150,208/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,317,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,622
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,730
−HK$2,139/mo
Today · 4.125%
HK$82,869
baseline
▲ 0.50% · 4.625%
HK$87,238
+HK$4,369/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$165,738/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,317,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,806
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,444
−HK$2,680/mo
Today · 4.125%
HK$90,124
baseline
▲ 0.50% · 4.625%
HK$95,608
+HK$5,484/mo
Deposit HK$12.40M · loan HK$18.60M · min. income ≈ HK$180,248/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,317,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,346
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,876
−HK$2,567/mo
Today · 4.125%
HK$99,443
baseline
▲ 0.50% · 4.625%
HK$104,685
+HK$5,242/mo
Deposit HK$12.40M · loan HK$18.60M · min. income ≈ HK$198,886/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,317,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,941
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$102,018
−HK$3,127/mo
Today · 4.125%
HK$105,145
baseline
▲ 0.50% · 4.625%
HK$111,543
+HK$6,398/mo
Deposit HK$9.30M · loan HK$21.70M · min. income ≈ HK$210,290/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,317,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,070
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$113,023
−HK$2,994/mo
Today · 4.125%
HK$116,017
baseline
▲ 0.50% · 4.625%
HK$122,133
+HK$6,116/mo
Deposit HK$9.30M · loan HK$21.70M · min. income ≈ HK$232,034/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$1,317,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,209
−HK$7,978/mo
▼ 0.25% · 3.875%
HK$131,166
−HK$4,021/mo
Today · 4.125%
HK$135,187
baseline
▲ 0.50% · 4.625%
HK$143,412
+HK$8,225/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$270,374/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,519
−HK$7,646/mo
▼ 0.25% · 3.875%
HK$145,315
−HK$3,850/mo
Today · 4.125%
HK$149,165
baseline
▲ 0.50% · 4.625%
HK$157,028
+HK$7,863/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$298,330/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,201 · Scale 2, in force from 26 Feb 2026)