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$70,538
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,732
−HK$2,229/mo
Today · 4.125%
HK$74,961
baseline
▲ 0.50% · 4.625%
HK$79,523
+HK$4,562/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,922/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,473
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,578
−HK$2,135/mo
Today · 4.125%
HK$82,713
baseline
▲ 0.50% · 4.625%
HK$87,073
+HK$4,360/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,426/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,646
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,279
−HK$2,675/mo
Today · 4.125%
HK$89,954
baseline
▲ 0.50% · 4.625%
HK$95,427
+HK$5,473/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$179,908/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,168
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,693
−HK$2,562/mo
Today · 4.125%
HK$99,255
baseline
▲ 0.50% · 4.625%
HK$104,487
+HK$5,232/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$198,510/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,753
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$101,825
−HK$3,121/mo
Today · 4.125%
HK$104,946
baseline
▲ 0.50% · 4.625%
HK$111,332
+HK$6,386/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$209,892/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,862
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$112,809
−HK$2,989/mo
Today · 4.125%
HK$115,798
baseline
▲ 0.50% · 4.625%
HK$121,902
+HK$6,104/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$231,596/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,969
−HK$7,962/mo
▼ 0.25% · 3.875%
HK$130,918
−HK$4,013/mo
Today · 4.125%
HK$134,931
baseline
▲ 0.50% · 4.625%
HK$143,141
+HK$8,210/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$269,862/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,251
−HK$7,632/mo
▼ 0.25% · 3.875%
HK$145,040
−HK$3,843/mo
Today · 4.125%
HK$148,883
baseline
▲ 0.50% · 4.625%
HK$156,731
+HK$7,848/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$297,766/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,708 · Scale 2, in force from 26 Feb 2026)