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$70,305
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,492
−HK$2,222/mo
Today · 4.125%
HK$74,714
baseline
▲ 0.50% · 4.625%
HK$79,260
+HK$4,546/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,428/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,214
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,312
−HK$2,128/mo
Today · 4.125%
HK$82,440
baseline
▲ 0.50% · 4.625%
HK$86,785
+HK$4,345/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,880/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,366
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$86,991
−HK$2,666/mo
Today · 4.125%
HK$89,657
baseline
▲ 0.50% · 4.625%
HK$95,112
+HK$5,455/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$179,314/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,857
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,374
−HK$2,554/mo
Today · 4.125%
HK$98,928
baseline
▲ 0.50% · 4.625%
HK$104,142
+HK$5,214/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$197,856/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,428
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$101,489
−HK$3,111/mo
Today · 4.125%
HK$104,600
baseline
▲ 0.50% · 4.625%
HK$110,964
+HK$6,364/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$209,200/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,500
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,436
−HK$2,980/mo
Today · 4.125%
HK$115,416
baseline
▲ 0.50% · 4.625%
HK$121,499
+HK$6,083/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$230,832/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,550
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$130,486
−HK$3,999/mo
Today · 4.125%
HK$134,485
baseline
▲ 0.50% · 4.625%
HK$142,669
+HK$8,184/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$268,970/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,785
−HK$7,606/mo
▼ 0.25% · 3.875%
HK$144,561
−HK$3,830/mo
Today · 4.125%
HK$148,391
baseline
▲ 0.50% · 4.625%
HK$156,213
+HK$7,822/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$296,782/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,370 · Scale 2, in force from 26 Feb 2026)