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$70,046
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,225
−HK$2,214/mo
Today · 4.125%
HK$74,439
baseline
▲ 0.50% · 4.625%
HK$78,968
+HK$4,529/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,878/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,925
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,015
−HK$2,121/mo
Today · 4.125%
HK$82,136
baseline
▲ 0.50% · 4.625%
HK$86,465
+HK$4,329/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,272/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,055
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,670
−HK$2,656/mo
Today · 4.125%
HK$89,326
baseline
▲ 0.50% · 4.625%
HK$94,762
+HK$5,436/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$178,652/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,511
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,019
−HK$2,544/mo
Today · 4.125%
HK$98,563
baseline
▲ 0.50% · 4.625%
HK$103,758
+HK$5,195/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$197,126/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,064
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$101,115
−HK$3,099/mo
Today · 4.125%
HK$104,214
baseline
▲ 0.50% · 4.625%
HK$110,555
+HK$6,341/mo
Deposit HK$9.22M · loan HK$21.50M · min. income ≈ HK$208,428/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,096
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$112,022
−HK$2,968/mo
Today · 4.125%
HK$114,990
baseline
▲ 0.50% · 4.625%
HK$121,051
+HK$6,061/mo
Deposit HK$9.22M · loan HK$21.50M · min. income ≈ HK$229,980/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,083
−HK$7,906/mo
▼ 0.25% · 3.875%
HK$130,005
−HK$3,984/mo
Today · 4.125%
HK$133,989
baseline
▲ 0.50% · 4.625%
HK$142,142
+HK$8,153/mo
Deposit HK$3.07M · loan HK$27.65M · min. income ≈ HK$267,978/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,266
−HK$7,578/mo
▼ 0.25% · 3.875%
HK$144,028
−HK$3,816/mo
Today · 4.125%
HK$147,844
baseline
▲ 0.50% · 4.625%
HK$155,637
+HK$7,793/mo
Deposit HK$3.07M · loan HK$27.65M · min. income ≈ HK$295,688/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,536 · Scale 2, in force from 26 Feb 2026)