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$70,092
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,272
−HK$2,215/mo
Today · 4.125%
HK$74,487
baseline
▲ 0.50% · 4.625%
HK$79,019
+HK$4,532/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$148,974/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,976
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,067
−HK$2,122/mo
Today · 4.125%
HK$82,189
baseline
▲ 0.50% · 4.625%
HK$86,521
+HK$4,332/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,378/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,110
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,726
−HK$2,658/mo
Today · 4.125%
HK$89,384
baseline
▲ 0.50% · 4.625%
HK$94,823
+HK$5,439/mo
Deposit HK$12.30M · loan HK$18.44M · min. income ≈ HK$178,768/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,571
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,081
−HK$2,546/mo
Today · 4.125%
HK$98,627
baseline
▲ 0.50% · 4.625%
HK$103,826
+HK$5,199/mo
Deposit HK$12.30M · loan HK$18.44M · min. income ≈ HK$197,254/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,128
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,181
−HK$3,101/mo
Today · 4.125%
HK$104,282
baseline
▲ 0.50% · 4.625%
HK$110,627
+HK$6,345/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$208,564/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,167
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,094
−HK$2,971/mo
Today · 4.125%
HK$115,065
baseline
▲ 0.50% · 4.625%
HK$121,130
+HK$6,065/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$230,130/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,165
−HK$7,911/mo
▼ 0.25% · 3.875%
HK$130,089
−HK$3,987/mo
Today · 4.125%
HK$134,076
baseline
▲ 0.50% · 4.625%
HK$142,235
+HK$8,159/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$268,152/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,357
−HK$7,583/mo
▼ 0.25% · 3.875%
HK$144,121
−HK$3,819/mo
Today · 4.125%
HK$147,940
baseline
▲ 0.50% · 4.625%
HK$155,738
+HK$7,798/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$295,880/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,385 · Scale 2, in force from 26 Feb 2026)