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$69,974
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,150
−HK$2,212/mo
Today · 4.125%
HK$74,362
baseline
▲ 0.50% · 4.625%
HK$78,887
+HK$4,525/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$148,724/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,845
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,933
−HK$2,118/mo
Today · 4.125%
HK$82,051
baseline
▲ 0.50% · 4.625%
HK$86,376
+HK$4,325/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$164,102/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,969
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$86,580
−HK$2,654/mo
Today · 4.125%
HK$89,234
baseline
▲ 0.50% · 4.625%
HK$94,664
+HK$5,430/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$178,468/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,414
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,919
−HK$2,542/mo
Today · 4.125%
HK$98,461
baseline
▲ 0.50% · 4.625%
HK$103,651
+HK$5,190/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$196,922/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,963
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$101,011
−HK$3,095/mo
Today · 4.125%
HK$104,106
baseline
▲ 0.50% · 4.625%
HK$110,441
+HK$6,335/mo
Deposit HK$9.21M · loan HK$21.48M · min. income ≈ HK$208,212/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,983
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$111,906
−HK$2,965/mo
Today · 4.125%
HK$114,871
baseline
▲ 0.50% · 4.625%
HK$120,926
+HK$6,055/mo
Deposit HK$9.21M · loan HK$21.48M · min. income ≈ HK$229,742/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,953
−HK$7,898/mo
▼ 0.25% · 3.875%
HK$129,871
−HK$3,980/mo
Today · 4.125%
HK$133,851
baseline
▲ 0.50% · 4.625%
HK$141,996
+HK$8,145/mo
Deposit HK$3.07M · loan HK$27.62M · min. income ≈ HK$267,702/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,121
−HK$7,571/mo
▼ 0.25% · 3.875%
HK$143,879
−HK$3,813/mo
Today · 4.125%
HK$147,692
baseline
▲ 0.50% · 4.625%
HK$155,477
+HK$7,785/mo
Deposit HK$3.07M · loan HK$27.62M · min. income ≈ HK$295,384/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,190 · Scale 2, in force from 26 Feb 2026)