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$70,158
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,340
−HK$2,217/mo
Today · 4.125%
HK$74,557
baseline
▲ 0.50% · 4.625%
HK$79,094
+HK$4,537/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,114/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,050
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,143
−HK$2,124/mo
Today · 4.125%
HK$82,267
baseline
▲ 0.50% · 4.625%
HK$86,603
+HK$4,336/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,534/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,190
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,808
−HK$2,661/mo
Today · 4.125%
HK$89,469
baseline
▲ 0.50% · 4.625%
HK$94,913
+HK$5,444/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$178,938/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,660
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,172
−HK$2,548/mo
Today · 4.125%
HK$98,720
baseline
▲ 0.50% · 4.625%
HK$103,924
+HK$5,204/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$197,440/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,221
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$101,276
−HK$3,104/mo
Today · 4.125%
HK$104,380
baseline
▲ 0.50% · 4.625%
HK$110,732
+HK$6,352/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$208,760/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,270
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$112,201
−HK$2,973/mo
Today · 4.125%
HK$115,174
baseline
▲ 0.50% · 4.625%
HK$121,245
+HK$6,071/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$230,348/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,284
−HK$7,919/mo
▼ 0.25% · 3.875%
HK$130,212
−HK$3,991/mo
Today · 4.125%
HK$134,203
baseline
▲ 0.50% · 4.625%
HK$142,369
+HK$8,166/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$268,406/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,490
−HK$7,590/mo
▼ 0.25% · 3.875%
HK$144,258
−HK$3,822/mo
Today · 4.125%
HK$148,080
baseline
▲ 0.50% · 4.625%
HK$155,886
+HK$7,806/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$296,160/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,622 · Scale 2, in force from 26 Feb 2026)