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$70,191
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,374
−HK$2,218/mo
Today · 4.125%
HK$74,592
baseline
▲ 0.50% · 4.625%
HK$79,131
+HK$4,539/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,184/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,086
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,181
−HK$2,124/mo
Today · 4.125%
HK$82,305
baseline
▲ 0.50% · 4.625%
HK$86,644
+HK$4,339/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,610/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,229
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,849
−HK$2,662/mo
Today · 4.125%
HK$89,511
baseline
▲ 0.50% · 4.625%
HK$94,957
+HK$5,446/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$179,022/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,704
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,217
−HK$2,549/mo
Today · 4.125%
HK$98,766
baseline
▲ 0.50% · 4.625%
HK$103,972
+HK$5,206/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$197,532/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,267
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,324
−HK$3,105/mo
Today · 4.125%
HK$104,429
baseline
▲ 0.50% · 4.625%
HK$110,783
+HK$6,354/mo
Deposit HK$9.23M · loan HK$21.55M · min. income ≈ HK$208,858/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,321
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,253
−HK$2,974/mo
Today · 4.125%
HK$115,227
baseline
▲ 0.50% · 4.625%
HK$121,301
+HK$6,074/mo
Deposit HK$9.23M · loan HK$21.55M · min. income ≈ HK$230,454/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,343
−HK$7,923/mo
▼ 0.25% · 3.875%
HK$130,273
−HK$3,993/mo
Today · 4.125%
HK$134,266
baseline
▲ 0.50% · 4.625%
HK$142,436
+HK$8,170/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$268,532/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,556
−HK$7,593/mo
▼ 0.25% · 3.875%
HK$144,325
−HK$3,824/mo
Today · 4.125%
HK$148,149
baseline
▲ 0.50% · 4.625%
HK$155,958
+HK$7,809/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$296,298/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,232 · Scale 2, in force from 26 Feb 2026)