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$70,345
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,533
−HK$2,223/mo
Today · 4.125%
HK$74,756
baseline
▲ 0.50% · 4.625%
HK$79,305
+HK$4,549/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,512/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,258
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,357
−HK$2,129/mo
Today · 4.125%
HK$82,486
baseline
▲ 0.50% · 4.625%
HK$86,834
+HK$4,348/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,972/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,414
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,040
−HK$2,668/mo
Today · 4.125%
HK$89,708
baseline
▲ 0.50% · 4.625%
HK$95,166
+HK$5,458/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,416/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,910
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,429
−HK$2,555/mo
Today · 4.125%
HK$98,984
baseline
▲ 0.50% · 4.625%
HK$104,201
+HK$5,217/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$197,968/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,483
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,547
−HK$3,112/mo
Today · 4.125%
HK$104,659
baseline
▲ 0.50% · 4.625%
HK$111,027
+HK$6,368/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,318/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,562
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,500
−HK$2,981/mo
Today · 4.125%
HK$115,481
baseline
▲ 0.50% · 4.625%
HK$121,568
+HK$6,087/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,962/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,621
−HK$7,940/mo
▼ 0.25% · 3.875%
HK$130,560
−HK$4,001/mo
Today · 4.125%
HK$134,561
baseline
▲ 0.50% · 4.625%
HK$142,749
+HK$8,188/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$269,122/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,865
−HK$7,610/mo
▼ 0.25% · 3.875%
HK$144,643
−HK$3,832/mo
Today · 4.125%
HK$148,475
baseline
▲ 0.50% · 4.625%
HK$156,302
+HK$7,827/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$296,950/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,111 · Scale 2, in force from 26 Feb 2026)