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$70,508
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,701
−HK$2,228/mo
Today · 4.125%
HK$74,929
baseline
▲ 0.50% · 4.625%
HK$79,489
+HK$4,560/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$149,858/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,314,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,439
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,543
−HK$2,134/mo
Today · 4.125%
HK$82,677
baseline
▲ 0.50% · 4.625%
HK$87,035
+HK$4,358/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$165,354/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,314,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,609
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,241
−HK$2,674/mo
Today · 4.125%
HK$89,915
baseline
▲ 0.50% · 4.625%
HK$95,386
+HK$5,471/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$179,830/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,127
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,652
−HK$2,561/mo
Today · 4.125%
HK$99,213
baseline
▲ 0.50% · 4.625%
HK$104,442
+HK$5,229/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$198,426/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,711
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,782
−HK$3,119/mo
Today · 4.125%
HK$104,901
baseline
▲ 0.50% · 4.625%
HK$111,284
+HK$6,383/mo
Deposit HK$9.28M · loan HK$21.64M · min. income ≈ HK$209,802/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,815
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,760
−HK$2,988/mo
Today · 4.125%
HK$115,748
baseline
▲ 0.50% · 4.625%
HK$121,849
+HK$6,101/mo
Deposit HK$9.28M · loan HK$21.64M · min. income ≈ HK$231,496/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,914
−HK$7,959/mo
▼ 0.25% · 3.875%
HK$130,862
−HK$4,011/mo
Today · 4.125%
HK$134,873
baseline
▲ 0.50% · 4.625%
HK$143,080
+HK$8,207/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$269,746/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,191
−HK$7,628/mo
▼ 0.25% · 3.875%
HK$144,977
−HK$3,842/mo
Today · 4.125%
HK$148,819
baseline
▲ 0.50% · 4.625%
HK$156,663
+HK$7,844/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$297,638/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,144 · Scale 2, in force from 26 Feb 2026)