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$70,381
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,570
−HK$2,224/mo
Today · 4.125%
HK$74,794
baseline
▲ 0.50% · 4.625%
HK$79,345
+HK$4,551/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,588/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,298
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,398
−HK$2,130/mo
Today · 4.125%
HK$82,528
baseline
▲ 0.50% · 4.625%
HK$86,878
+HK$4,350/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$165,056/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,457
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,084
−HK$2,669/mo
Today · 4.125%
HK$89,753
baseline
▲ 0.50% · 4.625%
HK$95,214
+HK$5,461/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$179,506/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,957
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,477
−HK$2,557/mo
Today · 4.125%
HK$99,034
baseline
▲ 0.50% · 4.625%
HK$104,254
+HK$5,220/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$198,068/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,533
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,598
−HK$3,114/mo
Today · 4.125%
HK$104,712
baseline
▲ 0.50% · 4.625%
HK$111,083
+HK$6,371/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$209,424/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,617
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$112,557
−HK$2,982/mo
Today · 4.125%
HK$115,539
baseline
▲ 0.50% · 4.625%
HK$121,630
+HK$6,091/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$231,078/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,685
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$130,626
−HK$4,004/mo
Today · 4.125%
HK$134,630
baseline
▲ 0.50% · 4.625%
HK$142,822
+HK$8,192/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$269,260/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,936
−HK$7,615/mo
▼ 0.25% · 3.875%
HK$144,716
−HK$3,835/mo
Today · 4.125%
HK$148,551
baseline
▲ 0.50% · 4.625%
HK$156,381
+HK$7,830/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$297,102/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,775 · Scale 2, in force from 26 Feb 2026)