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$70,085
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,265
−HK$2,215/mo
Today · 4.125%
HK$74,480
baseline
▲ 0.50% · 4.625%
HK$79,012
+HK$4,532/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$148,960/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,969
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,060
−HK$2,122/mo
Today · 4.125%
HK$82,182
baseline
▲ 0.50% · 4.625%
HK$86,514
+HK$4,332/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,364/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,102
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,719
−HK$2,657/mo
Today · 4.125%
HK$89,376
baseline
▲ 0.50% · 4.625%
HK$94,815
+HK$5,439/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$178,752/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,563
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,072
−HK$2,546/mo
Today · 4.125%
HK$98,618
baseline
▲ 0.50% · 4.625%
HK$103,816
+HK$5,198/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$197,236/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,120
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,172
−HK$3,101/mo
Today · 4.125%
HK$104,273
baseline
▲ 0.50% · 4.625%
HK$110,617
+HK$6,344/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$208,546/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,157
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,085
−HK$2,969/mo
Today · 4.125%
HK$115,054
baseline
▲ 0.50% · 4.625%
HK$121,119
+HK$6,065/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$230,108/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,154
−HK$7,911/mo
▼ 0.25% · 3.875%
HK$130,078
−HK$3,987/mo
Today · 4.125%
HK$134,065
baseline
▲ 0.50% · 4.625%
HK$142,222
+HK$8,157/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$268,130/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,345
−HK$7,582/mo
▼ 0.25% · 3.875%
HK$144,109
−HK$3,818/mo
Today · 4.125%
HK$147,927
baseline
▲ 0.50% · 4.625%
HK$155,725
+HK$7,798/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$295,854/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,270 · Scale 2, in force from 26 Feb 2026)