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$70,666
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,864
−HK$2,234/mo
Today · 4.125%
HK$75,098
baseline
▲ 0.50% · 4.625%
HK$79,667
+HK$4,569/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$150,196/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,317,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,616
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,724
−HK$2,139/mo
Today · 4.125%
HK$82,863
baseline
▲ 0.50% · 4.625%
HK$87,231
+HK$4,368/mo
Deposit HK$15.50M · loan HK$15.50M · min. income ≈ HK$165,726/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,317,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,800
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,437
−HK$2,680/mo
Today · 4.125%
HK$90,117
baseline
▲ 0.50% · 4.625%
HK$95,601
+HK$5,484/mo
Deposit HK$12.40M · loan HK$18.59M · min. income ≈ HK$180,234/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,317,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,339
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,869
−HK$2,567/mo
Today · 4.125%
HK$99,436
baseline
▲ 0.50% · 4.625%
HK$104,677
+HK$5,241/mo
Deposit HK$12.40M · loan HK$18.59M · min. income ≈ HK$198,872/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,317,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,933
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$102,010
−HK$3,127/mo
Today · 4.125%
HK$105,137
baseline
▲ 0.50% · 4.625%
HK$111,534
+HK$6,397/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$210,274/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,317,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,062
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,014
−HK$2,994/mo
Today · 4.125%
HK$116,008
baseline
▲ 0.50% · 4.625%
HK$122,123
+HK$6,115/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$232,016/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,317,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,199
−HK$7,977/mo
▼ 0.25% · 3.875%
HK$131,156
−HK$4,020/mo
Today · 4.125%
HK$135,176
baseline
▲ 0.50% · 4.625%
HK$143,401
+HK$8,225/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$270,352/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,508
−HK$7,645/mo
▼ 0.25% · 3.875%
HK$145,303
−HK$3,850/mo
Today · 4.125%
HK$149,153
baseline
▲ 0.50% · 4.625%
HK$157,015
+HK$7,862/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$298,306/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,317,098 · Scale 2, in force from 26 Feb 2026)