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$70,356
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,544
−HK$2,224/mo
Today · 4.125%
HK$74,768
baseline
▲ 0.50% · 4.625%
HK$79,317
+HK$4,549/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,536/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,270
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,369
−HK$2,130/mo
Today · 4.125%
HK$82,499
baseline
▲ 0.50% · 4.625%
HK$86,848
+HK$4,349/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$164,998/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,427
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,053
−HK$2,668/mo
Today · 4.125%
HK$89,721
baseline
▲ 0.50% · 4.625%
HK$95,181
+HK$5,460/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,442/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,924
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$96,443
−HK$2,556/mo
Today · 4.125%
HK$98,999
baseline
▲ 0.50% · 4.625%
HK$104,217
+HK$5,218/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$197,998/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,498
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,562
−HK$3,113/mo
Today · 4.125%
HK$104,675
baseline
▲ 0.50% · 4.625%
HK$111,044
+HK$6,369/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$209,350/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,578
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,517
−HK$2,981/mo
Today · 4.125%
HK$115,498
baseline
▲ 0.50% · 4.625%
HK$121,587
+HK$6,089/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$230,996/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,641
−HK$7,941/mo
▼ 0.25% · 3.875%
HK$130,580
−HK$4,002/mo
Today · 4.125%
HK$134,582
baseline
▲ 0.50% · 4.625%
HK$142,771
+HK$8,189/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$269,164/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,886
−HK$7,612/mo
▼ 0.25% · 3.875%
HK$144,665
−HK$3,833/mo
Today · 4.125%
HK$148,498
baseline
▲ 0.50% · 4.625%
HK$156,326
+HK$7,828/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$296,996/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,311 · Scale 2, in force from 26 Feb 2026)