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$70,669
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,867
−HK$2,233/mo
Today · 4.125%
HK$75,100
baseline
▲ 0.50% · 4.625%
HK$79,670
+HK$4,570/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$150,200/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,317,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,618
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,727
−HK$2,139/mo
Today · 4.125%
HK$82,866
baseline
▲ 0.50% · 4.625%
HK$87,234
+HK$4,368/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$165,732/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,317,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,803
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,440
−HK$2,680/mo
Today · 4.125%
HK$90,120
baseline
▲ 0.50% · 4.625%
HK$95,604
+HK$5,484/mo
Deposit HK$12.40M · loan HK$18.59M · min. income ≈ HK$180,240/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,317,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,342
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,872
−HK$2,567/mo
Today · 4.125%
HK$99,439
baseline
▲ 0.50% · 4.625%
HK$104,681
+HK$5,242/mo
Deposit HK$12.40M · loan HK$18.59M · min. income ≈ HK$198,878/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,317,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,936
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$102,014
−HK$3,127/mo
Today · 4.125%
HK$105,141
baseline
▲ 0.50% · 4.625%
HK$111,538
+HK$6,397/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$210,282/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,317,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,066
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,018
−HK$2,994/mo
Today · 4.125%
HK$116,012
baseline
▲ 0.50% · 4.625%
HK$122,127
+HK$6,115/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$232,024/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,317,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,204
−HK$7,977/mo
▼ 0.25% · 3.875%
HK$131,161
−HK$4,020/mo
Today · 4.125%
HK$135,181
baseline
▲ 0.50% · 4.625%
HK$143,406
+HK$8,225/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$270,362/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,513
−HK$7,646/mo
▼ 0.25% · 3.875%
HK$145,308
−HK$3,851/mo
Today · 4.125%
HK$149,159
baseline
▲ 0.50% · 4.625%
HK$157,021
+HK$7,862/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$298,318/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,145 · Scale 2, in force from 26 Feb 2026)