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$70,106
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,287
−HK$2,215/mo
Today · 4.125%
HK$74,502
baseline
▲ 0.50% · 4.625%
HK$79,036
+HK$4,534/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$149,004/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,992
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,084
−HK$2,122/mo
Today · 4.125%
HK$82,206
baseline
▲ 0.50% · 4.625%
HK$86,539
+HK$4,333/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,412/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,127
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,744
−HK$2,659/mo
Today · 4.125%
HK$89,403
baseline
▲ 0.50% · 4.625%
HK$94,843
+HK$5,440/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,806/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,591
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,101
−HK$2,546/mo
Today · 4.125%
HK$98,647
baseline
▲ 0.50% · 4.625%
HK$103,847
+HK$5,200/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,294/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,148
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,201
−HK$3,102/mo
Today · 4.125%
HK$104,303
baseline
▲ 0.50% · 4.625%
HK$110,650
+HK$6,347/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$208,606/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,189
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,118
−HK$2,970/mo
Today · 4.125%
HK$115,088
baseline
▲ 0.50% · 4.625%
HK$121,155
+HK$6,067/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$230,176/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,191
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$130,116
−HK$3,988/mo
Today · 4.125%
HK$134,104
baseline
▲ 0.50% · 4.625%
HK$142,264
+HK$8,160/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$268,208/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,386
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$144,151
−HK$3,820/mo
Today · 4.125%
HK$147,971
baseline
▲ 0.50% · 4.625%
HK$155,770
+HK$7,799/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$295,942/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,655 · Scale 2, in force from 26 Feb 2026)