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$70,411
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,601
−HK$2,226/mo
Today · 4.125%
HK$74,827
baseline
▲ 0.50% · 4.625%
HK$79,380
+HK$4,553/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,654/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,332
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,433
−HK$2,131/mo
Today · 4.125%
HK$82,564
baseline
▲ 0.50% · 4.625%
HK$86,916
+HK$4,352/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,128/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,493
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,122
−HK$2,670/mo
Today · 4.125%
HK$89,792
baseline
▲ 0.50% · 4.625%
HK$95,256
+HK$5,464/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$179,584/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,998
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,519
−HK$2,558/mo
Today · 4.125%
HK$99,077
baseline
▲ 0.50% · 4.625%
HK$104,299
+HK$5,222/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$198,154/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,576
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,642
−HK$3,115/mo
Today · 4.125%
HK$104,757
baseline
▲ 0.50% · 4.625%
HK$111,131
+HK$6,374/mo
Deposit HK$9.26M · loan HK$21.62M · min. income ≈ HK$209,514/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,664
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,606
−HK$2,983/mo
Today · 4.125%
HK$115,589
baseline
▲ 0.50% · 4.625%
HK$121,682
+HK$6,093/mo
Deposit HK$9.26M · loan HK$21.62M · min. income ≈ HK$231,178/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,740
−HK$7,948/mo
▼ 0.25% · 3.875%
HK$130,682
−HK$4,006/mo
Today · 4.125%
HK$134,688
baseline
▲ 0.50% · 4.625%
HK$142,883
+HK$8,195/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$269,376/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,997
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$144,779
−HK$3,836/mo
Today · 4.125%
HK$148,615
baseline
▲ 0.50% · 4.625%
HK$156,448
+HK$7,833/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$297,230/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,342 · Scale 2, in force from 26 Feb 2026)