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$70,160
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,342
−HK$2,217/mo
Today · 4.125%
HK$74,559
baseline
▲ 0.50% · 4.625%
HK$79,096
+HK$4,537/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,118/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,052
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,145
−HK$2,124/mo
Today · 4.125%
HK$82,269
baseline
▲ 0.50% · 4.625%
HK$86,605
+HK$4,336/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,538/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,192
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,810
−HK$2,661/mo
Today · 4.125%
HK$89,471
baseline
▲ 0.50% · 4.625%
HK$94,915
+HK$5,444/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$178,942/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,662
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$96,174
−HK$2,549/mo
Today · 4.125%
HK$98,723
baseline
▲ 0.50% · 4.625%
HK$103,926
+HK$5,203/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$197,446/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,223
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$101,279
−HK$3,104/mo
Today · 4.125%
HK$104,383
baseline
▲ 0.50% · 4.625%
HK$110,734
+HK$6,351/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$208,766/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,273
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$112,203
−HK$2,973/mo
Today · 4.125%
HK$115,176
baseline
▲ 0.50% · 4.625%
HK$121,247
+HK$6,071/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$230,352/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,287
−HK$7,920/mo
▼ 0.25% · 3.875%
HK$130,216
−HK$3,991/mo
Today · 4.125%
HK$134,207
baseline
▲ 0.50% · 4.625%
HK$142,373
+HK$8,166/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$268,414/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,493
−HK$7,591/mo
▼ 0.25% · 3.875%
HK$144,261
−HK$3,823/mo
Today · 4.125%
HK$148,084
baseline
▲ 0.50% · 4.625%
HK$155,889
+HK$7,805/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$296,168/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,653 · Scale 2, in force from 26 Feb 2026)