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$70,234
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,419
−HK$2,219/mo
Today · 4.125%
HK$74,638
baseline
▲ 0.50% · 4.625%
HK$79,180
+HK$4,542/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,276/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,135
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,230
−HK$2,126/mo
Today · 4.125%
HK$82,356
baseline
▲ 0.50% · 4.625%
HK$86,697
+HK$4,341/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,712/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,281
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,903
−HK$2,663/mo
Today · 4.125%
HK$89,566
baseline
▲ 0.50% · 4.625%
HK$95,016
+HK$5,450/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$179,132/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,762
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,276
−HK$2,551/mo
Today · 4.125%
HK$98,827
baseline
▲ 0.50% · 4.625%
HK$104,037
+HK$5,210/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$197,654/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,328
−HK$6,166/mo
▼ 0.25% · 3.875%
HK$101,386
−HK$3,108/mo
Today · 4.125%
HK$104,494
baseline
▲ 0.50% · 4.625%
HK$110,852
+HK$6,358/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$208,988/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,389
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$112,322
−HK$2,977/mo
Today · 4.125%
HK$115,299
baseline
▲ 0.50% · 4.625%
HK$121,376
+HK$6,077/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$230,598/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,421
−HK$7,928/mo
▼ 0.25% · 3.875%
HK$130,354
−HK$3,995/mo
Today · 4.125%
HK$134,349
baseline
▲ 0.50% · 4.625%
HK$142,524
+HK$8,175/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$268,698/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,643
−HK$7,598/mo
▼ 0.25% · 3.875%
HK$144,415
−HK$3,826/mo
Today · 4.125%
HK$148,241
baseline
▲ 0.50% · 4.625%
HK$156,055
+HK$7,814/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$296,482/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,042 · Scale 2, in force from 26 Feb 2026)