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$70,255
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,440
−HK$2,220/mo
Today · 4.125%
HK$74,660
baseline
▲ 0.50% · 4.625%
HK$79,203
+HK$4,543/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,320/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,158
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,254
−HK$2,126/mo
Today · 4.125%
HK$82,380
baseline
▲ 0.50% · 4.625%
HK$86,723
+HK$4,343/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,760/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,306
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,928
−HK$2,664/mo
Today · 4.125%
HK$89,592
baseline
▲ 0.50% · 4.625%
HK$95,044
+HK$5,452/mo
Deposit HK$12.32M · loan HK$18.49M · min. income ≈ HK$179,184/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,789
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,304
−HK$2,552/mo
Today · 4.125%
HK$98,856
baseline
▲ 0.50% · 4.625%
HK$104,067
+HK$5,211/mo
Deposit HK$12.32M · loan HK$18.49M · min. income ≈ HK$197,712/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,356
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$101,416
−HK$3,108/mo
Today · 4.125%
HK$104,524
baseline
▲ 0.50% · 4.625%
HK$110,884
+HK$6,360/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$209,048/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,421
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$112,355
−HK$2,977/mo
Today · 4.125%
HK$115,332
baseline
▲ 0.50% · 4.625%
HK$121,412
+HK$6,080/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$230,664/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,458
−HK$7,930/mo
▼ 0.25% · 3.875%
HK$130,392
−HK$3,996/mo
Today · 4.125%
HK$134,388
baseline
▲ 0.50% · 4.625%
HK$142,566
+HK$8,178/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$268,776/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,684
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$144,457
−HK$3,827/mo
Today · 4.125%
HK$148,284
baseline
▲ 0.50% · 4.625%
HK$156,101
+HK$7,817/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$296,568/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,424 · Scale 2, in force from 26 Feb 2026)