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$70,004
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,181
−HK$2,212/mo
Today · 4.125%
HK$74,393
baseline
▲ 0.50% · 4.625%
HK$78,920
+HK$4,527/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,786/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,878
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,967
−HK$2,119/mo
Today · 4.125%
HK$82,086
baseline
▲ 0.50% · 4.625%
HK$86,413
+HK$4,327/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,172/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,004
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,617
−HK$2,655/mo
Today · 4.125%
HK$89,272
baseline
▲ 0.50% · 4.625%
HK$94,704
+HK$5,432/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$178,544/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,454
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,960
−HK$2,543/mo
Today · 4.125%
HK$98,503
baseline
▲ 0.50% · 4.625%
HK$103,695
+HK$5,192/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$197,006/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,005
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$101,053
−HK$3,098/mo
Today · 4.125%
HK$104,151
baseline
▲ 0.50% · 4.625%
HK$110,488
+HK$6,337/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$208,302/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,030
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$111,954
−HK$2,966/mo
Today · 4.125%
HK$114,920
baseline
▲ 0.50% · 4.625%
HK$120,978
+HK$6,058/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$229,840/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,006
−HK$7,902/mo
▼ 0.25% · 3.875%
HK$129,926
−HK$3,982/mo
Today · 4.125%
HK$133,908
baseline
▲ 0.50% · 4.625%
HK$142,056
+HK$8,148/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$267,816/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,181
−HK$7,573/mo
▼ 0.25% · 3.875%
HK$143,940
−HK$3,814/mo
Today · 4.125%
HK$147,754
baseline
▲ 0.50% · 4.625%
HK$155,543
+HK$7,789/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$295,508/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,744 · Scale 2, in force from 26 Feb 2026)