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$70,361
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,550
−HK$2,224/mo
Today · 4.125%
HK$74,774
baseline
▲ 0.50% · 4.625%
HK$79,323
+HK$4,549/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,548/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,276
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,376
−HK$2,129/mo
Today · 4.125%
HK$82,505
baseline
▲ 0.50% · 4.625%
HK$86,854
+HK$4,349/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$165,010/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,434
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,060
−HK$2,668/mo
Today · 4.125%
HK$89,728
baseline
▲ 0.50% · 4.625%
HK$95,188
+HK$5,460/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,456/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,932
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,451
−HK$2,555/mo
Today · 4.125%
HK$99,006
baseline
▲ 0.50% · 4.625%
HK$104,225
+HK$5,219/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$198,012/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,506
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,570
−HK$3,113/mo
Today · 4.125%
HK$104,683
baseline
▲ 0.50% · 4.625%
HK$111,053
+HK$6,370/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$209,366/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,587
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,526
−HK$2,982/mo
Today · 4.125%
HK$115,508
baseline
▲ 0.50% · 4.625%
HK$121,596
+HK$6,088/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$231,016/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,651
−HK$7,942/mo
▼ 0.25% · 3.875%
HK$130,590
−HK$4,003/mo
Today · 4.125%
HK$134,593
baseline
▲ 0.50% · 4.625%
HK$142,782
+HK$8,189/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$269,186/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,897
−HK$7,613/mo
▼ 0.25% · 3.875%
HK$144,676
−HK$3,834/mo
Today · 4.125%
HK$148,510
baseline
▲ 0.50% · 4.625%
HK$156,338
+HK$7,828/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$297,020/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,414 · Scale 2, in force from 26 Feb 2026)