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$70,156
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,338
−HK$2,217/mo
Today · 4.125%
HK$74,555
baseline
▲ 0.50% · 4.625%
HK$79,092
+HK$4,537/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,110/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,048
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,141
−HK$2,124/mo
Today · 4.125%
HK$82,265
baseline
▲ 0.50% · 4.625%
HK$86,601
+HK$4,336/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,530/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,187
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,806
−HK$2,661/mo
Today · 4.125%
HK$89,467
baseline
▲ 0.50% · 4.625%
HK$94,910
+HK$5,443/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$178,934/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,657
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,169
−HK$2,548/mo
Today · 4.125%
HK$98,717
baseline
▲ 0.50% · 4.625%
HK$103,921
+HK$5,204/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$197,434/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,218
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$101,274
−HK$3,104/mo
Today · 4.125%
HK$104,378
baseline
▲ 0.50% · 4.625%
HK$110,729
+HK$6,351/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$208,756/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,267
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$112,198
−HK$2,972/mo
Today · 4.125%
HK$115,170
baseline
▲ 0.50% · 4.625%
HK$121,241
+HK$6,071/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$230,340/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,281
−HK$7,919/mo
▼ 0.25% · 3.875%
HK$130,209
−HK$3,991/mo
Today · 4.125%
HK$134,200
baseline
▲ 0.50% · 4.625%
HK$142,366
+HK$8,166/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$268,400/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,486
−HK$7,590/mo
▼ 0.25% · 3.875%
HK$144,254
−HK$3,822/mo
Today · 4.125%
HK$148,076
baseline
▲ 0.50% · 4.625%
HK$155,882
+HK$7,806/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$296,152/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,586 · Scale 2, in force from 26 Feb 2026)