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$70,311
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,498
−HK$2,222/mo
Today · 4.125%
HK$74,720
baseline
▲ 0.50% · 4.625%
HK$79,267
+HK$4,547/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,440/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,220
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,318
−HK$2,128/mo
Today · 4.125%
HK$82,446
baseline
▲ 0.50% · 4.625%
HK$86,792
+HK$4,346/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,892/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,373
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$86,998
−HK$2,666/mo
Today · 4.125%
HK$89,664
baseline
▲ 0.50% · 4.625%
HK$95,120
+HK$5,456/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$179,328/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,864
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,382
−HK$2,553/mo
Today · 4.125%
HK$98,935
baseline
▲ 0.50% · 4.625%
HK$104,150
+HK$5,215/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$197,870/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,435
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,497
−HK$3,111/mo
Today · 4.125%
HK$104,608
baseline
▲ 0.50% · 4.625%
HK$110,973
+HK$6,365/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$209,216/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,508
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$112,445
−HK$2,980/mo
Today · 4.125%
HK$115,425
baseline
▲ 0.50% · 4.625%
HK$121,509
+HK$6,084/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$230,850/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,560
−HK$7,936/mo
▼ 0.25% · 3.875%
HK$130,496
−HK$4,000/mo
Today · 4.125%
HK$134,496
baseline
▲ 0.50% · 4.625%
HK$142,680
+HK$8,184/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$268,992/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,796
−HK$7,607/mo
▼ 0.25% · 3.875%
HK$144,572
−HK$3,831/mo
Today · 4.125%
HK$148,403
baseline
▲ 0.50% · 4.625%
HK$156,226
+HK$7,823/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$296,806/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,473 · Scale 2, in force from 26 Feb 2026)