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$70,149
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,332
−HK$2,216/mo
Today · 4.125%
HK$74,548
baseline
▲ 0.50% · 4.625%
HK$79,085
+HK$4,537/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,096/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,041
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,134
−HK$2,123/mo
Today · 4.125%
HK$82,257
baseline
▲ 0.50% · 4.625%
HK$86,593
+HK$4,336/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,514/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,179
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,798
−HK$2,660/mo
Today · 4.125%
HK$89,458
baseline
▲ 0.50% · 4.625%
HK$94,901
+HK$5,443/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$178,916/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,649
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,160
−HK$2,548/mo
Today · 4.125%
HK$98,708
baseline
▲ 0.50% · 4.625%
HK$103,911
+HK$5,203/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$197,416/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,209
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$101,264
−HK$3,104/mo
Today · 4.125%
HK$104,368
baseline
▲ 0.50% · 4.625%
HK$110,718
+HK$6,350/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$208,736/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,257
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$112,187
−HK$2,973/mo
Today · 4.125%
HK$115,160
baseline
▲ 0.50% · 4.625%
HK$121,230
+HK$6,070/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$230,320/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,269
−HK$7,918/mo
▼ 0.25% · 3.875%
HK$130,197
−HK$3,990/mo
Today · 4.125%
HK$134,187
baseline
▲ 0.50% · 4.625%
HK$142,352
+HK$8,165/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$268,374/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,473
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$144,241
−HK$3,821/mo
Today · 4.125%
HK$148,062
baseline
▲ 0.50% · 4.625%
HK$155,867
+HK$7,805/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$296,124/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,465 · Scale 2, in force from 26 Feb 2026)