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$70,108
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,288
−HK$2,216/mo
Today · 4.125%
HK$74,504
baseline
▲ 0.50% · 4.625%
HK$79,037
+HK$4,533/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$149,008/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,994
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,086
−HK$2,122/mo
Today · 4.125%
HK$82,208
baseline
▲ 0.50% · 4.625%
HK$86,541
+HK$4,333/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,416/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,129
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,746
−HK$2,659/mo
Today · 4.125%
HK$89,405
baseline
▲ 0.50% · 4.625%
HK$94,845
+HK$5,440/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,810/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,593
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,103
−HK$2,546/mo
Today · 4.125%
HK$98,649
baseline
▲ 0.50% · 4.625%
HK$103,849
+HK$5,200/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,298/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,151
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,204
−HK$3,102/mo
Today · 4.125%
HK$104,306
baseline
▲ 0.50% · 4.625%
HK$110,652
+HK$6,346/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$208,612/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,192
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,120
−HK$2,971/mo
Today · 4.125%
HK$115,091
baseline
▲ 0.50% · 4.625%
HK$121,158
+HK$6,067/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$230,182/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,194
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$130,119
−HK$3,988/mo
Today · 4.125%
HK$134,107
baseline
▲ 0.50% · 4.625%
HK$142,267
+HK$8,160/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$268,214/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,389
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$144,154
−HK$3,820/mo
Today · 4.125%
HK$147,974
baseline
▲ 0.50% · 4.625%
HK$155,774
+HK$7,800/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$295,948/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,684 · Scale 2, in force from 26 Feb 2026)