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$70,065
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,245
−HK$2,214/mo
Today · 4.125%
HK$74,459
baseline
▲ 0.50% · 4.625%
HK$78,990
+HK$4,531/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,918/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,305,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,947
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,037
−HK$2,121/mo
Today · 4.125%
HK$82,158
baseline
▲ 0.50% · 4.625%
HK$86,489
+HK$4,331/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,316/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,305,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,078
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,694
−HK$2,657/mo
Today · 4.125%
HK$89,351
baseline
▲ 0.50% · 4.625%
HK$94,787
+HK$5,436/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$178,702/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,305,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,536
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$96,045
−HK$2,545/mo
Today · 4.125%
HK$98,590
baseline
▲ 0.50% · 4.625%
HK$103,786
+HK$5,196/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$197,180/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,305,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,091
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,143
−HK$3,100/mo
Today · 4.125%
HK$104,243
baseline
▲ 0.50% · 4.625%
HK$110,585
+HK$6,342/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$208,486/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,126
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$112,052
−HK$2,969/mo
Today · 4.125%
HK$115,021
baseline
▲ 0.50% · 4.625%
HK$121,084
+HK$6,063/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$230,042/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,117
−HK$7,909/mo
▼ 0.25% · 3.875%
HK$130,040
−HK$3,986/mo
Today · 4.125%
HK$134,026
baseline
▲ 0.50% · 4.625%
HK$142,181
+HK$8,155/mo
Deposit HK$3.07M · loan HK$27.65M · min. income ≈ HK$268,052/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,304
−HK$7,581/mo
▼ 0.25% · 3.875%
HK$144,067
−HK$3,818/mo
Today · 4.125%
HK$147,885
baseline
▲ 0.50% · 4.625%
HK$155,680
+HK$7,795/mo
Deposit HK$3.07M · loan HK$27.65M · min. income ≈ HK$295,770/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,894 · Scale 2, in force from 26 Feb 2026)