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$70,341
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,529
−HK$2,223/mo
Today · 4.125%
HK$74,752
baseline
▲ 0.50% · 4.625%
HK$79,301
+HK$4,549/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,504/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,254
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,353
−HK$2,129/mo
Today · 4.125%
HK$82,482
baseline
▲ 0.50% · 4.625%
HK$86,830
+HK$4,348/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,964/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,410
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,035
−HK$2,668/mo
Today · 4.125%
HK$89,703
baseline
▲ 0.50% · 4.625%
HK$95,161
+HK$5,458/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,406/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,905
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$96,423
−HK$2,555/mo
Today · 4.125%
HK$98,978
baseline
▲ 0.50% · 4.625%
HK$104,196
+HK$5,218/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$197,956/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,478
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$101,541
−HK$3,112/mo
Today · 4.125%
HK$104,653
baseline
▲ 0.50% · 4.625%
HK$111,021
+HK$6,368/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,306/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,556
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,494
−HK$2,981/mo
Today · 4.125%
HK$115,475
baseline
▲ 0.50% · 4.625%
HK$121,562
+HK$6,087/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,950/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,615
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$130,553
−HK$4,001/mo
Today · 4.125%
HK$134,554
baseline
▲ 0.50% · 4.625%
HK$142,742
+HK$8,188/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$269,108/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,857
−HK$7,610/mo
▼ 0.25% · 3.875%
HK$144,635
−HK$3,832/mo
Today · 4.125%
HK$148,467
baseline
▲ 0.50% · 4.625%
HK$156,293
+HK$7,826/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$296,934/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,042 · Scale 2, in force from 26 Feb 2026)