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$70,371
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,560
−HK$2,224/mo
Today · 4.125%
HK$74,784
baseline
▲ 0.50% · 4.625%
HK$79,334
+HK$4,550/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,568/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,287
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,387
−HK$2,130/mo
Today · 4.125%
HK$82,517
baseline
▲ 0.50% · 4.625%
HK$86,866
+HK$4,349/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$165,034/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,445
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,072
−HK$2,669/mo
Today · 4.125%
HK$89,741
baseline
▲ 0.50% · 4.625%
HK$95,201
+HK$5,460/mo
Deposit HK$12.34M · loan HK$18.52M · min. income ≈ HK$179,482/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,945
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$96,464
−HK$2,556/mo
Today · 4.125%
HK$99,020
baseline
▲ 0.50% · 4.625%
HK$104,240
+HK$5,220/mo
Deposit HK$12.34M · loan HK$18.52M · min. income ≈ HK$198,040/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,519
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,584
−HK$3,114/mo
Today · 4.125%
HK$104,698
baseline
▲ 0.50% · 4.625%
HK$111,068
+HK$6,370/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$209,396/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,602
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,541
−HK$2,982/mo
Today · 4.125%
HK$115,523
baseline
▲ 0.50% · 4.625%
HK$121,613
+HK$6,090/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$231,046/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,668
−HK$7,943/mo
▼ 0.25% · 3.875%
HK$130,608
−HK$4,003/mo
Today · 4.125%
HK$134,611
baseline
▲ 0.50% · 4.625%
HK$142,802
+HK$8,191/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$269,222/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,917
−HK$7,613/mo
▼ 0.25% · 3.875%
HK$144,696
−HK$3,834/mo
Today · 4.125%
HK$148,530
baseline
▲ 0.50% · 4.625%
HK$156,359
+HK$7,829/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$297,060/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,594 · Scale 2, in force from 26 Feb 2026)