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$70,087
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,267
−HK$2,215/mo
Today · 4.125%
HK$74,482
baseline
▲ 0.50% · 4.625%
HK$79,014
+HK$4,532/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$148,964/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,971
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,062
−HK$2,122/mo
Today · 4.125%
HK$82,184
baseline
▲ 0.50% · 4.625%
HK$86,516
+HK$4,332/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,368/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,104
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,720
−HK$2,658/mo
Today · 4.125%
HK$89,378
baseline
▲ 0.50% · 4.625%
HK$94,817
+HK$5,439/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$178,756/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,565
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,075
−HK$2,545/mo
Today · 4.125%
HK$98,620
baseline
▲ 0.50% · 4.625%
HK$103,819
+HK$5,199/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$197,240/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,122
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,174
−HK$3,101/mo
Today · 4.125%
HK$104,275
baseline
▲ 0.50% · 4.625%
HK$110,620
+HK$6,345/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$208,550/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,159
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,087
−HK$2,970/mo
Today · 4.125%
HK$115,057
baseline
▲ 0.50% · 4.625%
HK$121,122
+HK$6,065/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$230,114/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,157
−HK$7,911/mo
▼ 0.25% · 3.875%
HK$130,081
−HK$3,987/mo
Today · 4.125%
HK$134,068
baseline
▲ 0.50% · 4.625%
HK$142,225
+HK$8,157/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$268,136/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,348
−HK$7,582/mo
▼ 0.25% · 3.875%
HK$144,112
−HK$3,818/mo
Today · 4.125%
HK$147,930
baseline
▲ 0.50% · 4.625%
HK$155,728
+HK$7,798/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$295,860/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,299 · Scale 2, in force from 26 Feb 2026)