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$70,464
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,656
−HK$2,226/mo
Today · 4.125%
HK$74,882
baseline
▲ 0.50% · 4.625%
HK$79,439
+HK$4,557/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$149,764/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,390
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,493
−HK$2,132/mo
Today · 4.125%
HK$82,625
baseline
▲ 0.50% · 4.625%
HK$86,981
+HK$4,356/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$165,250/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,557
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,187
−HK$2,672/mo
Today · 4.125%
HK$89,859
baseline
▲ 0.50% · 4.625%
HK$95,327
+HK$5,468/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$179,718/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,068
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,591
−HK$2,560/mo
Today · 4.125%
HK$99,151
baseline
▲ 0.50% · 4.625%
HK$104,377
+HK$5,226/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$198,302/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,649
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,718
−HK$3,117/mo
Today · 4.125%
HK$104,835
baseline
▲ 0.50% · 4.625%
HK$111,214
+HK$6,379/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$209,670/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,746
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$112,690
−HK$2,986/mo
Today · 4.125%
HK$115,676
baseline
▲ 0.50% · 4.625%
HK$121,773
+HK$6,097/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$231,352/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,835
−HK$7,953/mo
▼ 0.25% · 3.875%
HK$130,780
−HK$4,008/mo
Today · 4.125%
HK$134,788
baseline
▲ 0.50% · 4.625%
HK$142,990
+HK$8,202/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$269,576/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,102
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$144,887
−HK$3,839/mo
Today · 4.125%
HK$148,726
baseline
▲ 0.50% · 4.625%
HK$156,565
+HK$7,839/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$297,452/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,323 · Scale 2, in force from 26 Feb 2026)