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$70,044
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,223
−HK$2,213/mo
Today · 4.125%
HK$74,436
baseline
▲ 0.50% · 4.625%
HK$78,966
+HK$4,530/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,872/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,923
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,013
−HK$2,120/mo
Today · 4.125%
HK$82,133
baseline
▲ 0.50% · 4.625%
HK$86,463
+HK$4,330/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,266/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,053
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,667
−HK$2,657/mo
Today · 4.125%
HK$89,324
baseline
▲ 0.50% · 4.625%
HK$94,759
+HK$5,435/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$178,648/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,508
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,016
−HK$2,544/mo
Today · 4.125%
HK$98,560
baseline
▲ 0.50% · 4.625%
HK$103,755
+HK$5,195/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$197,120/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,062
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,112
−HK$3,099/mo
Today · 4.125%
HK$104,211
baseline
▲ 0.50% · 4.625%
HK$110,552
+HK$6,341/mo
Deposit HK$9.22M · loan HK$21.50M · min. income ≈ HK$208,422/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,093
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$112,018
−HK$2,968/mo
Today · 4.125%
HK$114,986
baseline
▲ 0.50% · 4.625%
HK$121,048
+HK$6,062/mo
Deposit HK$9.22M · loan HK$21.50M · min. income ≈ HK$229,972/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,079
−HK$7,906/mo
▼ 0.25% · 3.875%
HK$130,001
−HK$3,984/mo
Today · 4.125%
HK$133,985
baseline
▲ 0.50% · 4.625%
HK$142,138
+HK$8,153/mo
Deposit HK$3.07M · loan HK$27.65M · min. income ≈ HK$267,970/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,262
−HK$7,578/mo
▼ 0.25% · 3.875%
HK$144,024
−HK$3,816/mo
Today · 4.125%
HK$147,840
baseline
▲ 0.50% · 4.625%
HK$155,633
+HK$7,793/mo
Deposit HK$3.07M · loan HK$27.65M · min. income ≈ HK$295,680/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,498 · Scale 2, in force from 26 Feb 2026)