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$70,544
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,738
−HK$2,229/mo
Today · 4.125%
HK$74,967
baseline
▲ 0.50% · 4.625%
HK$79,529
+HK$4,562/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,934/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,479
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,584
−HK$2,135/mo
Today · 4.125%
HK$82,719
baseline
▲ 0.50% · 4.625%
HK$87,079
+HK$4,360/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,438/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,652
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,286
−HK$2,675/mo
Today · 4.125%
HK$89,961
baseline
▲ 0.50% · 4.625%
HK$95,435
+HK$5,474/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$179,922/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,175
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,701
−HK$2,562/mo
Today · 4.125%
HK$99,263
baseline
▲ 0.50% · 4.625%
HK$104,495
+HK$5,232/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$198,526/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,761
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$101,833
−HK$3,121/mo
Today · 4.125%
HK$104,954
baseline
▲ 0.50% · 4.625%
HK$111,341
+HK$6,387/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$209,908/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,314,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,871
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$112,818
−HK$2,989/mo
Today · 4.125%
HK$115,807
baseline
▲ 0.50% · 4.625%
HK$121,911
+HK$6,104/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$231,614/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,314,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,979
−HK$7,962/mo
▼ 0.25% · 3.875%
HK$130,928
−HK$4,013/mo
Today · 4.125%
HK$134,941
baseline
▲ 0.50% · 4.625%
HK$143,152
+HK$8,211/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$269,882/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,263
−HK$7,631/mo
▼ 0.25% · 3.875%
HK$145,051
−HK$3,843/mo
Today · 4.125%
HK$148,894
baseline
▲ 0.50% · 4.625%
HK$156,743
+HK$7,849/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$297,788/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,812 · Scale 2, in force from 26 Feb 2026)