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$70,299
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,485
−HK$2,222/mo
Today · 4.125%
HK$74,707
baseline
▲ 0.50% · 4.625%
HK$79,253
+HK$4,546/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,414/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,310,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,207
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,304
−HK$2,128/mo
Today · 4.125%
HK$82,432
baseline
▲ 0.50% · 4.625%
HK$86,777
+HK$4,345/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,864/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,310,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,358
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,982
−HK$2,666/mo
Today · 4.125%
HK$89,648
baseline
▲ 0.50% · 4.625%
HK$95,103
+HK$5,455/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$179,296/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,848
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,365
−HK$2,553/mo
Today · 4.125%
HK$98,918
baseline
▲ 0.50% · 4.625%
HK$104,132
+HK$5,214/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$197,836/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,418
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$101,480
−HK$3,110/mo
Today · 4.125%
HK$104,590
baseline
▲ 0.50% · 4.625%
HK$110,954
+HK$6,364/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$209,180/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,489
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,426
−HK$2,979/mo
Today · 4.125%
HK$115,405
baseline
▲ 0.50% · 4.625%
HK$121,488
+HK$6,083/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$230,810/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,538
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$130,474
−HK$3,999/mo
Today · 4.125%
HK$134,473
baseline
▲ 0.50% · 4.625%
HK$142,655
+HK$8,182/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$268,946/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,772
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$144,547
−HK$3,830/mo
Today · 4.125%
HK$148,377
baseline
▲ 0.50% · 4.625%
HK$156,199
+HK$7,822/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$296,754/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,246 · Scale 2, in force from 26 Feb 2026)