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$70,331
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,519
−HK$2,223/mo
Today · 4.125%
HK$74,742
baseline
▲ 0.50% · 4.625%
HK$79,289
+HK$4,547/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,484/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,243
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,341
−HK$2,129/mo
Today · 4.125%
HK$82,470
baseline
▲ 0.50% · 4.625%
HK$86,817
+HK$4,347/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,940/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,397
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,023
−HK$2,667/mo
Today · 4.125%
HK$89,690
baseline
▲ 0.50% · 4.625%
HK$95,147
+HK$5,457/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,380/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,891
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$96,409
−HK$2,555/mo
Today · 4.125%
HK$98,964
baseline
▲ 0.50% · 4.625%
HK$104,180
+HK$5,216/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$197,928/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,464
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$101,526
−HK$3,112/mo
Today · 4.125%
HK$104,638
baseline
▲ 0.50% · 4.625%
HK$111,005
+HK$6,367/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,276/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,540
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$112,478
−HK$2,980/mo
Today · 4.125%
HK$115,458
baseline
▲ 0.50% · 4.625%
HK$121,544
+HK$6,086/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,916/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,596
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$130,534
−HK$4,001/mo
Today · 4.125%
HK$134,535
baseline
▲ 0.50% · 4.625%
HK$142,721
+HK$8,186/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$269,070/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,310,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,837
−HK$7,609/mo
▼ 0.25% · 3.875%
HK$144,614
−HK$3,832/mo
Today · 4.125%
HK$148,446
baseline
▲ 0.50% · 4.625%
HK$156,271
+HK$7,825/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$296,892/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,310,850 · Scale 2, in force from 26 Feb 2026)