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$70,507
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,700
−HK$2,228/mo
Today · 4.125%
HK$74,928
baseline
▲ 0.50% · 4.625%
HK$79,487
+HK$4,559/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$149,856/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,314,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,438
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,542
−HK$2,134/mo
Today · 4.125%
HK$82,676
baseline
▲ 0.50% · 4.625%
HK$87,034
+HK$4,358/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$165,352/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,314,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,608
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,240
−HK$2,674/mo
Today · 4.125%
HK$89,914
baseline
▲ 0.50% · 4.625%
HK$95,385
+HK$5,471/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$179,828/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,126
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,650
−HK$2,561/mo
Today · 4.125%
HK$99,211
baseline
▲ 0.50% · 4.625%
HK$104,441
+HK$5,230/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$198,422/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,710
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,780
−HK$3,120/mo
Today · 4.125%
HK$104,900
baseline
▲ 0.50% · 4.625%
HK$111,282
+HK$6,382/mo
Deposit HK$9.28M · loan HK$21.64M · min. income ≈ HK$209,800/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,813
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,759
−HK$2,987/mo
Today · 4.125%
HK$115,746
baseline
▲ 0.50% · 4.625%
HK$121,848
+HK$6,102/mo
Deposit HK$9.28M · loan HK$21.64M · min. income ≈ HK$231,492/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,912
−HK$7,959/mo
▼ 0.25% · 3.875%
HK$130,860
−HK$4,011/mo
Today · 4.125%
HK$134,871
baseline
▲ 0.50% · 4.625%
HK$143,077
+HK$8,206/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$269,742/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,189
−HK$7,628/mo
▼ 0.25% · 3.875%
HK$144,975
−HK$3,842/mo
Today · 4.125%
HK$148,817
baseline
▲ 0.50% · 4.625%
HK$156,661
+HK$7,844/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$297,634/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,126 · Scale 2, in force from 26 Feb 2026)