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$70,139
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,321
−HK$2,216/mo
Today · 4.125%
HK$74,537
baseline
▲ 0.50% · 4.625%
HK$79,073
+HK$4,536/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,074/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,029
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,122
−HK$2,123/mo
Today · 4.125%
HK$82,245
baseline
▲ 0.50% · 4.625%
HK$86,580
+HK$4,335/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,490/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,167
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,785
−HK$2,660/mo
Today · 4.125%
HK$89,445
baseline
▲ 0.50% · 4.625%
HK$94,888
+HK$5,443/mo
Deposit HK$12.30M · loan HK$18.46M · min. income ≈ HK$178,890/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,635
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,146
−HK$2,548/mo
Today · 4.125%
HK$98,694
baseline
▲ 0.50% · 4.625%
HK$103,896
+HK$5,202/mo
Deposit HK$12.30M · loan HK$18.46M · min. income ≈ HK$197,388/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,195
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$101,249
−HK$3,103/mo
Today · 4.125%
HK$104,352
baseline
▲ 0.50% · 4.625%
HK$110,702
+HK$6,350/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$208,704/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,241
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,171
−HK$2,972/mo
Today · 4.125%
HK$115,143
baseline
▲ 0.50% · 4.625%
HK$121,212
+HK$6,069/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$230,286/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,250
−HK$7,917/mo
▼ 0.25% · 3.875%
HK$130,178
−HK$3,989/mo
Today · 4.125%
HK$134,167
baseline
▲ 0.50% · 4.625%
HK$142,331
+HK$8,164/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$268,334/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,452
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$144,219
−HK$3,822/mo
Today · 4.125%
HK$148,041
baseline
▲ 0.50% · 4.625%
HK$155,844
+HK$7,803/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$296,082/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,272 · Scale 2, in force from 26 Feb 2026)