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$70,377
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,566
−HK$2,224/mo
Today · 4.125%
HK$74,790
baseline
▲ 0.50% · 4.625%
HK$79,341
+HK$4,551/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,580/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,293
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,393
−HK$2,130/mo
Today · 4.125%
HK$82,523
baseline
▲ 0.50% · 4.625%
HK$86,873
+HK$4,350/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$165,046/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,452
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,079
−HK$2,669/mo
Today · 4.125%
HK$89,748
baseline
▲ 0.50% · 4.625%
HK$95,209
+HK$5,461/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$179,496/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,952
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$96,472
−HK$2,556/mo
Today · 4.125%
HK$99,028
baseline
▲ 0.50% · 4.625%
HK$104,248
+HK$5,220/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$198,056/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,528
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$101,592
−HK$3,114/mo
Today · 4.125%
HK$104,706
baseline
▲ 0.50% · 4.625%
HK$111,077
+HK$6,371/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$209,412/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,611
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$112,551
−HK$2,982/mo
Today · 4.125%
HK$115,533
baseline
▲ 0.50% · 4.625%
HK$121,623
+HK$6,090/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$231,066/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,678
−HK$7,944/mo
▼ 0.25% · 3.875%
HK$130,619
−HK$4,003/mo
Today · 4.125%
HK$134,622
baseline
▲ 0.50% · 4.625%
HK$142,813
+HK$8,191/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$269,244/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,928
−HK$7,614/mo
▼ 0.25% · 3.875%
HK$144,708
−HK$3,834/mo
Today · 4.125%
HK$148,542
baseline
▲ 0.50% · 4.625%
HK$156,372
+HK$7,830/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$297,084/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,701 · Scale 2, in force from 26 Feb 2026)