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$70,104
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,284
−HK$2,216/mo
Today · 4.125%
HK$74,500
baseline
▲ 0.50% · 4.625%
HK$79,033
+HK$4,533/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$149,000/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,990
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,081
−HK$2,122/mo
Today · 4.125%
HK$82,203
baseline
▲ 0.50% · 4.625%
HK$86,536
+HK$4,333/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,406/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,125
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,741
−HK$2,659/mo
Today · 4.125%
HK$89,400
baseline
▲ 0.50% · 4.625%
HK$94,840
+HK$5,440/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,800/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,588
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,098
−HK$2,546/mo
Today · 4.125%
HK$98,644
baseline
▲ 0.50% · 4.625%
HK$103,844
+HK$5,200/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,288/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,145
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,198
−HK$3,102/mo
Today · 4.125%
HK$104,300
baseline
▲ 0.50% · 4.625%
HK$110,646
+HK$6,346/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$208,600/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,186
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,114
−HK$2,971/mo
Today · 4.125%
HK$115,085
baseline
▲ 0.50% · 4.625%
HK$121,151
+HK$6,066/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$230,170/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,187
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$130,112
−HK$3,988/mo
Today · 4.125%
HK$134,100
baseline
▲ 0.50% · 4.625%
HK$142,260
+HK$8,160/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$268,200/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,382
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$144,147
−HK$3,819/mo
Today · 4.125%
HK$147,966
baseline
▲ 0.50% · 4.625%
HK$155,766
+HK$7,800/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$295,932/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,614 · Scale 2, in force from 26 Feb 2026)