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$70,047
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,226
−HK$2,213/mo
Today · 4.125%
HK$74,439
baseline
▲ 0.50% · 4.625%
HK$78,969
+HK$4,530/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,878/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,926
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,016
−HK$2,120/mo
Today · 4.125%
HK$82,136
baseline
▲ 0.50% · 4.625%
HK$86,466
+HK$4,330/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,272/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,056
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,671
−HK$2,656/mo
Today · 4.125%
HK$89,327
baseline
▲ 0.50% · 4.625%
HK$94,763
+HK$5,436/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$178,654/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,512
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,020
−HK$2,544/mo
Today · 4.125%
HK$98,564
baseline
▲ 0.50% · 4.625%
HK$103,759
+HK$5,195/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$197,128/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,065
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$101,116
−HK$3,099/mo
Today · 4.125%
HK$104,215
baseline
▲ 0.50% · 4.625%
HK$110,556
+HK$6,341/mo
Deposit HK$9.22M · loan HK$21.50M · min. income ≈ HK$208,430/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,097
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$112,023
−HK$2,968/mo
Today · 4.125%
HK$114,991
baseline
▲ 0.50% · 4.625%
HK$121,052
+HK$6,061/mo
Deposit HK$9.22M · loan HK$21.50M · min. income ≈ HK$229,982/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,084
−HK$7,907/mo
▼ 0.25% · 3.875%
HK$130,006
−HK$3,985/mo
Today · 4.125%
HK$133,991
baseline
▲ 0.50% · 4.625%
HK$142,144
+HK$8,153/mo
Deposit HK$3.07M · loan HK$27.65M · min. income ≈ HK$267,982/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,267
−HK$7,579/mo
▼ 0.25% · 3.875%
HK$144,029
−HK$3,817/mo
Today · 4.125%
HK$147,846
baseline
▲ 0.50% · 4.625%
HK$155,639
+HK$7,793/mo
Deposit HK$3.07M · loan HK$27.65M · min. income ≈ HK$295,692/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,550 · Scale 2, in force from 26 Feb 2026)