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$70,579
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,775
−HK$2,230/mo
Today · 4.125%
HK$75,005
baseline
▲ 0.50% · 4.625%
HK$79,569
+HK$4,564/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,010/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,519
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,625
−HK$2,136/mo
Today · 4.125%
HK$82,761
baseline
▲ 0.50% · 4.625%
HK$87,123
+HK$4,362/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,522/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,695
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$87,330
−HK$2,676/mo
Today · 4.125%
HK$90,006
baseline
▲ 0.50% · 4.625%
HK$95,483
+HK$5,477/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$180,012/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,223
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,750
−HK$2,563/mo
Today · 4.125%
HK$99,313
baseline
▲ 0.50% · 4.625%
HK$104,548
+HK$5,235/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$198,626/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,811
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,885
−HK$3,123/mo
Today · 4.125%
HK$105,008
baseline
▲ 0.50% · 4.625%
HK$111,397
+HK$6,389/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$210,016/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,926
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$112,875
−HK$2,990/mo
Today · 4.125%
HK$115,865
baseline
▲ 0.50% · 4.625%
HK$121,973
+HK$6,108/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$231,730/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,043
−HK$7,967/mo
▼ 0.25% · 3.875%
HK$130,995
−HK$4,015/mo
Today · 4.125%
HK$135,010
baseline
▲ 0.50% · 4.625%
HK$143,225
+HK$8,215/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$270,020/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,334
−HK$7,636/mo
▼ 0.25% · 3.875%
HK$145,125
−HK$3,845/mo
Today · 4.125%
HK$148,970
baseline
▲ 0.50% · 4.625%
HK$156,822
+HK$7,852/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$297,940/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,478 · Scale 2, in force from 26 Feb 2026)