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$70,146
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,328
−HK$2,217/mo
Today · 4.125%
HK$74,545
baseline
▲ 0.50% · 4.625%
HK$79,081
+HK$4,536/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,090/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,037
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,130
−HK$2,123/mo
Today · 4.125%
HK$82,253
baseline
▲ 0.50% · 4.625%
HK$86,589
+HK$4,336/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,506/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,176
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,794
−HK$2,660/mo
Today · 4.125%
HK$89,454
baseline
▲ 0.50% · 4.625%
HK$94,897
+HK$5,443/mo
Deposit HK$12.30M · loan HK$18.46M · min. income ≈ HK$178,908/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,644
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,156
−HK$2,548/mo
Today · 4.125%
HK$98,704
baseline
▲ 0.50% · 4.625%
HK$103,907
+HK$5,203/mo
Deposit HK$12.30M · loan HK$18.46M · min. income ≈ HK$197,408/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,205
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,260
−HK$3,103/mo
Today · 4.125%
HK$104,363
baseline
▲ 0.50% · 4.625%
HK$110,713
+HK$6,350/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$208,726/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,252
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,182
−HK$2,972/mo
Today · 4.125%
HK$115,154
baseline
▲ 0.50% · 4.625%
HK$121,224
+HK$6,070/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$230,308/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,263
−HK$7,918/mo
▼ 0.25% · 3.875%
HK$130,191
−HK$3,990/mo
Today · 4.125%
HK$134,181
baseline
▲ 0.50% · 4.625%
HK$142,346
+HK$8,165/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$268,362/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,467
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$144,234
−HK$3,822/mo
Today · 4.125%
HK$148,056
baseline
▲ 0.50% · 4.625%
HK$155,860
+HK$7,804/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$296,112/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,405 · Scale 2, in force from 26 Feb 2026)