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$70,136
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,317
−HK$2,217/mo
Today · 4.125%
HK$74,534
baseline
▲ 0.50% · 4.625%
HK$79,069
+HK$4,535/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,068/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,025
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,118
−HK$2,123/mo
Today · 4.125%
HK$82,241
baseline
▲ 0.50% · 4.625%
HK$86,576
+HK$4,335/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,482/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,163
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,781
−HK$2,659/mo
Today · 4.125%
HK$89,440
baseline
▲ 0.50% · 4.625%
HK$94,883
+HK$5,443/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,880/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,630
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,141
−HK$2,548/mo
Today · 4.125%
HK$98,689
baseline
▲ 0.50% · 4.625%
HK$103,891
+HK$5,202/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,378/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,190
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$101,244
−HK$3,103/mo
Today · 4.125%
HK$104,347
baseline
▲ 0.50% · 4.625%
HK$110,696
+HK$6,349/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$208,694/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,307,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,235
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,165
−HK$2,972/mo
Today · 4.125%
HK$115,137
baseline
▲ 0.50% · 4.625%
HK$121,206
+HK$6,069/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$230,274/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,307,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,244
−HK$7,917/mo
▼ 0.25% · 3.875%
HK$130,171
−HK$3,990/mo
Today · 4.125%
HK$134,161
baseline
▲ 0.50% · 4.625%
HK$142,324
+HK$8,163/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$268,322/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,445
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$144,212
−HK$3,821/mo
Today · 4.125%
HK$148,033
baseline
▲ 0.50% · 4.625%
HK$155,836
+HK$7,803/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$296,066/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,205 · Scale 2, in force from 26 Feb 2026)