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$70,356
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,545
−HK$2,223/mo
Today · 4.125%
HK$74,768
baseline
▲ 0.50% · 4.625%
HK$79,318
+HK$4,550/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,536/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,271
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,370
−HK$2,129/mo
Today · 4.125%
HK$82,499
baseline
▲ 0.50% · 4.625%
HK$86,848
+HK$4,349/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$164,998/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,427
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$87,054
−HK$2,668/mo
Today · 4.125%
HK$89,722
baseline
▲ 0.50% · 4.625%
HK$95,181
+HK$5,459/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,444/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,925
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,444
−HK$2,555/mo
Today · 4.125%
HK$98,999
baseline
▲ 0.50% · 4.625%
HK$104,217
+HK$5,218/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$197,998/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,499
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,563
−HK$3,112/mo
Today · 4.125%
HK$104,675
baseline
▲ 0.50% · 4.625%
HK$111,045
+HK$6,370/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$209,350/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,579
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,518
−HK$2,981/mo
Today · 4.125%
HK$115,499
baseline
▲ 0.50% · 4.625%
HK$121,587
+HK$6,088/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$230,998/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,641
−HK$7,942/mo
▼ 0.25% · 3.875%
HK$130,580
−HK$4,003/mo
Today · 4.125%
HK$134,583
baseline
▲ 0.50% · 4.625%
HK$142,772
+HK$8,189/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$269,166/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,887
−HK$7,612/mo
▼ 0.25% · 3.875%
HK$144,665
−HK$3,834/mo
Today · 4.125%
HK$148,499
baseline
▲ 0.50% · 4.625%
HK$156,326
+HK$7,827/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$296,998/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,317 · Scale 2, in force from 26 Feb 2026)