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$70,324
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,511
−HK$2,223/mo
Today · 4.125%
HK$74,734
baseline
▲ 0.50% · 4.625%
HK$79,281
+HK$4,547/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,468/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,235
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,333
−HK$2,128/mo
Today · 4.125%
HK$82,461
baseline
▲ 0.50% · 4.625%
HK$86,808
+HK$4,347/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,922/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,389
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$87,014
−HK$2,667/mo
Today · 4.125%
HK$89,681
baseline
▲ 0.50% · 4.625%
HK$95,137
+HK$5,456/mo
Deposit HK$12.34M · loan HK$18.50M · min. income ≈ HK$179,362/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,882
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,399
−HK$2,555/mo
Today · 4.125%
HK$98,954
baseline
▲ 0.50% · 4.625%
HK$104,170
+HK$5,216/mo
Deposit HK$12.34M · loan HK$18.50M · min. income ≈ HK$197,908/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,453
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$101,516
−HK$3,111/mo
Today · 4.125%
HK$104,627
baseline
▲ 0.50% · 4.625%
HK$110,994
+HK$6,367/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,254/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,529
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$112,466
−HK$2,980/mo
Today · 4.125%
HK$115,446
baseline
▲ 0.50% · 4.625%
HK$121,531
+HK$6,085/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,892/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,583
−HK$7,938/mo
▼ 0.25% · 3.875%
HK$130,520
−HK$4,001/mo
Today · 4.125%
HK$134,521
baseline
▲ 0.50% · 4.625%
HK$142,706
+HK$8,185/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$269,042/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,822
−HK$7,609/mo
▼ 0.25% · 3.875%
HK$144,599
−HK$3,832/mo
Today · 4.125%
HK$148,431
baseline
▲ 0.50% · 4.625%
HK$156,255
+HK$7,824/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$296,862/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,716 · Scale 2, in force from 26 Feb 2026)