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$70,514
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,707
−HK$2,228/mo
Today · 4.125%
HK$74,935
baseline
▲ 0.50% · 4.625%
HK$79,495
+HK$4,560/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$149,870/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,446
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,550
−HK$2,134/mo
Today · 4.125%
HK$82,684
baseline
▲ 0.50% · 4.625%
HK$87,042
+HK$4,358/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$165,368/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,616
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$87,248
−HK$2,675/mo
Today · 4.125%
HK$89,923
baseline
▲ 0.50% · 4.625%
HK$95,394
+HK$5,471/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$179,846/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,135
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,660
−HK$2,561/mo
Today · 4.125%
HK$99,221
baseline
▲ 0.50% · 4.625%
HK$104,451
+HK$5,230/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$198,442/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,719
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$101,790
−HK$3,120/mo
Today · 4.125%
HK$104,910
baseline
▲ 0.50% · 4.625%
HK$111,293
+HK$6,383/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$209,820/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,824
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,769
−HK$2,988/mo
Today · 4.125%
HK$115,757
baseline
▲ 0.50% · 4.625%
HK$121,859
+HK$6,102/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$231,514/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,925
−HK$7,959/mo
▼ 0.25% · 3.875%
HK$130,873
−HK$4,011/mo
Today · 4.125%
HK$134,884
baseline
▲ 0.50% · 4.625%
HK$143,091
+HK$8,207/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$269,768/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,202
−HK$7,629/mo
▼ 0.25% · 3.875%
HK$144,989
−HK$3,842/mo
Today · 4.125%
HK$148,831
baseline
▲ 0.50% · 4.625%
HK$156,676
+HK$7,845/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$297,662/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,252 · Scale 2, in force from 26 Feb 2026)