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$70,404
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,594
−HK$2,225/mo
Today · 4.125%
HK$74,819
baseline
▲ 0.50% · 4.625%
HK$79,372
+HK$4,553/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,638/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,324
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,424
−HK$2,131/mo
Today · 4.125%
HK$82,555
baseline
▲ 0.50% · 4.625%
HK$86,907
+HK$4,352/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,110/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,485
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,113
−HK$2,670/mo
Today · 4.125%
HK$89,783
baseline
▲ 0.50% · 4.625%
HK$95,246
+HK$5,463/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$179,566/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,989
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,509
−HK$2,558/mo
Today · 4.125%
HK$99,067
baseline
▲ 0.50% · 4.625%
HK$104,288
+HK$5,221/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$198,134/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,566
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,632
−HK$3,115/mo
Today · 4.125%
HK$104,747
baseline
▲ 0.50% · 4.625%
HK$111,120
+HK$6,373/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$209,494/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,312,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,653
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,594
−HK$2,984/mo
Today · 4.125%
HK$115,578
baseline
▲ 0.50% · 4.625%
HK$121,670
+HK$6,092/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$231,156/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,312,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,727
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$130,669
−HK$4,005/mo
Today · 4.125%
HK$134,674
baseline
▲ 0.50% · 4.625%
HK$142,869
+HK$8,195/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$269,348/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,983
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$144,764
−HK$3,836/mo
Today · 4.125%
HK$148,600
baseline
▲ 0.50% · 4.625%
HK$156,433
+HK$7,833/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$297,200/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,210 · Scale 2, in force from 26 Feb 2026)