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$70,348
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,536
−HK$2,223/mo
Today · 4.125%
HK$74,759
baseline
▲ 0.50% · 4.625%
HK$79,308
+HK$4,549/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,518/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,261
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,360
−HK$2,129/mo
Today · 4.125%
HK$82,489
baseline
▲ 0.50% · 4.625%
HK$86,837
+HK$4,348/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$164,978/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,417
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,043
−HK$2,668/mo
Today · 4.125%
HK$89,711
baseline
▲ 0.50% · 4.625%
HK$95,170
+HK$5,459/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,422/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,913
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,432
−HK$2,555/mo
Today · 4.125%
HK$98,987
baseline
▲ 0.50% · 4.625%
HK$104,205
+HK$5,218/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$197,974/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,487
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,550
−HK$3,113/mo
Today · 4.125%
HK$104,663
baseline
▲ 0.50% · 4.625%
HK$111,031
+HK$6,368/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$209,326/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,566
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,504
−HK$2,981/mo
Today · 4.125%
HK$115,485
baseline
▲ 0.50% · 4.625%
HK$121,572
+HK$6,087/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$230,970/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,626
−HK$7,940/mo
▼ 0.25% · 3.875%
HK$130,565
−HK$4,001/mo
Today · 4.125%
HK$134,566
baseline
▲ 0.50% · 4.625%
HK$142,755
+HK$8,189/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$269,132/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,870
−HK$7,611/mo
▼ 0.25% · 3.875%
HK$144,648
−HK$3,833/mo
Today · 4.125%
HK$148,481
baseline
▲ 0.50% · 4.625%
HK$156,307
+HK$7,826/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$296,962/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,159 · Scale 2, in force from 26 Feb 2026)