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$70,107
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,288
−HK$2,215/mo
Today · 4.125%
HK$74,503
baseline
▲ 0.50% · 4.625%
HK$79,037
+HK$4,534/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$149,006/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,993
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,085
−HK$2,122/mo
Today · 4.125%
HK$82,207
baseline
▲ 0.50% · 4.625%
HK$86,540
+HK$4,333/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,414/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,128
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,745
−HK$2,659/mo
Today · 4.125%
HK$89,404
baseline
▲ 0.50% · 4.625%
HK$94,844
+HK$5,440/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,808/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,592
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,102
−HK$2,547/mo
Today · 4.125%
HK$98,649
baseline
▲ 0.50% · 4.625%
HK$103,848
+HK$5,199/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,298/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,150
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,203
−HK$3,102/mo
Today · 4.125%
HK$104,305
baseline
▲ 0.50% · 4.625%
HK$110,651
+HK$6,346/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$208,610/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,191
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,119
−HK$2,971/mo
Today · 4.125%
HK$115,090
baseline
▲ 0.50% · 4.625%
HK$121,157
+HK$6,067/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$230,180/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,193
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$130,118
−HK$3,988/mo
Today · 4.125%
HK$134,106
baseline
▲ 0.50% · 4.625%
HK$142,266
+HK$8,160/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$268,212/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,388
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$144,153
−HK$3,820/mo
Today · 4.125%
HK$147,973
baseline
▲ 0.50% · 4.625%
HK$155,773
+HK$7,800/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$295,946/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,673 · Scale 2, in force from 26 Feb 2026)