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$70,438
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,629
−HK$2,226/mo
Today · 4.125%
HK$74,855
baseline
▲ 0.50% · 4.625%
HK$79,410
+HK$4,555/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$149,710/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,312,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,361
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,463
−HK$2,132/mo
Today · 4.125%
HK$82,595
baseline
▲ 0.50% · 4.625%
HK$86,949
+HK$4,354/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$165,190/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,312,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,525
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,155
−HK$2,671/mo
Today · 4.125%
HK$89,826
baseline
▲ 0.50% · 4.625%
HK$95,292
+HK$5,466/mo
Deposit HK$12.36M · loan HK$18.53M · min. income ≈ HK$179,652/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,312,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,034
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,556
−HK$2,558/mo
Today · 4.125%
HK$99,114
baseline
▲ 0.50% · 4.625%
HK$104,338
+HK$5,224/mo
Deposit HK$12.36M · loan HK$18.53M · min. income ≈ HK$198,228/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,312,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,613
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,680
−HK$3,117/mo
Today · 4.125%
HK$104,797
baseline
▲ 0.50% · 4.625%
HK$111,173
+HK$6,376/mo
Deposit HK$9.27M · loan HK$21.62M · min. income ≈ HK$209,594/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,706
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,648
−HK$2,985/mo
Today · 4.125%
HK$115,633
baseline
▲ 0.50% · 4.625%
HK$121,728
+HK$6,095/mo
Deposit HK$9.27M · loan HK$21.62M · min. income ≈ HK$231,266/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,788
−HK$7,951/mo
▼ 0.25% · 3.875%
HK$130,732
−HK$4,007/mo
Today · 4.125%
HK$134,739
baseline
▲ 0.50% · 4.625%
HK$142,937
+HK$8,198/mo
Deposit HK$3.09M · loan HK$27.80M · min. income ≈ HK$269,478/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,050
−HK$7,621/mo
▼ 0.25% · 3.875%
HK$144,833
−HK$3,838/mo
Today · 4.125%
HK$148,671
baseline
▲ 0.50% · 4.625%
HK$156,508
+HK$7,837/mo
Deposit HK$3.09M · loan HK$27.80M · min. income ≈ HK$297,342/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,839 · Scale 2, in force from 26 Feb 2026)