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$70,506
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,699
−HK$2,228/mo
Today · 4.125%
HK$74,927
baseline
▲ 0.50% · 4.625%
HK$79,486
+HK$4,559/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$149,854/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,314,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,437
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,540
−HK$2,135/mo
Today · 4.125%
HK$82,675
baseline
▲ 0.50% · 4.625%
HK$87,032
+HK$4,357/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$165,350/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,314,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,607
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,239
−HK$2,673/mo
Today · 4.125%
HK$89,912
baseline
▲ 0.50% · 4.625%
HK$95,383
+HK$5,471/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$179,824/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,124
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,649
−HK$2,560/mo
Today · 4.125%
HK$99,209
baseline
▲ 0.50% · 4.625%
HK$104,439
+HK$5,230/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$198,418/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,708
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,778
−HK$3,120/mo
Today · 4.125%
HK$104,898
baseline
▲ 0.50% · 4.625%
HK$111,281
+HK$6,383/mo
Deposit HK$9.28M · loan HK$21.64M · min. income ≈ HK$209,796/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,812
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$112,757
−HK$2,987/mo
Today · 4.125%
HK$115,744
baseline
▲ 0.50% · 4.625%
HK$121,845
+HK$6,101/mo
Deposit HK$9.28M · loan HK$21.64M · min. income ≈ HK$231,488/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,910
−HK$7,959/mo
▼ 0.25% · 3.875%
HK$130,858
−HK$4,011/mo
Today · 4.125%
HK$134,869
baseline
▲ 0.50% · 4.625%
HK$143,075
+HK$8,206/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$269,738/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,186
−HK$7,628/mo
▼ 0.25% · 3.875%
HK$144,973
−HK$3,841/mo
Today · 4.125%
HK$148,814
baseline
▲ 0.50% · 4.625%
HK$156,658
+HK$7,844/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$297,628/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,103 · Scale 2, in force from 26 Feb 2026)