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$70,165
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,348
−HK$2,217/mo
Today · 4.125%
HK$74,565
baseline
▲ 0.50% · 4.625%
HK$79,102
+HK$4,537/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,130/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,058
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,152
−HK$2,123/mo
Today · 4.125%
HK$82,275
baseline
▲ 0.50% · 4.625%
HK$86,612
+HK$4,337/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,550/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,198
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,817
−HK$2,661/mo
Today · 4.125%
HK$89,478
baseline
▲ 0.50% · 4.625%
HK$94,923
+HK$5,445/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$178,956/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,307,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,670
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,182
−HK$2,548/mo
Today · 4.125%
HK$98,730
baseline
▲ 0.50% · 4.625%
HK$103,935
+HK$5,205/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$197,460/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,307,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,231
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$101,287
−HK$3,104/mo
Today · 4.125%
HK$104,391
baseline
▲ 0.50% · 4.625%
HK$110,743
+HK$6,352/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$208,782/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,281
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$112,212
−HK$2,973/mo
Today · 4.125%
HK$115,185
baseline
▲ 0.50% · 4.625%
HK$121,257
+HK$6,072/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$230,370/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,297
−HK$7,920/mo
▼ 0.25% · 3.875%
HK$130,226
−HK$3,991/mo
Today · 4.125%
HK$134,217
baseline
▲ 0.50% · 4.625%
HK$142,384
+HK$8,167/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$268,434/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,505
−HK$7,591/mo
▼ 0.25% · 3.875%
HK$144,273
−HK$3,823/mo
Today · 4.125%
HK$148,096
baseline
▲ 0.50% · 4.625%
HK$155,902
+HK$7,806/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$296,192/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,757 · Scale 2, in force from 26 Feb 2026)