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$70,555
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,750
−HK$2,230/mo
Today · 4.125%
HK$74,980
baseline
▲ 0.50% · 4.625%
HK$79,542
+HK$4,562/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,960/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,492
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,597
−HK$2,136/mo
Today · 4.125%
HK$82,733
baseline
▲ 0.50% · 4.625%
HK$87,094
+HK$4,361/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,466/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,667
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,300
−HK$2,676/mo
Today · 4.125%
HK$89,976
baseline
▲ 0.50% · 4.625%
HK$95,451
+HK$5,475/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$179,952/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,315,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,191
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,717
−HK$2,562/mo
Today · 4.125%
HK$99,279
baseline
▲ 0.50% · 4.625%
HK$104,513
+HK$5,234/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$198,558/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,315,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,778
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$101,850
−HK$3,122/mo
Today · 4.125%
HK$104,972
baseline
▲ 0.50% · 4.625%
HK$111,359
+HK$6,387/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$209,944/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,889
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,836
−HK$2,990/mo
Today · 4.125%
HK$115,826
baseline
▲ 0.50% · 4.625%
HK$121,931
+HK$6,105/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$231,652/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,000
−HK$7,964/mo
▼ 0.25% · 3.875%
HK$130,950
−HK$4,014/mo
Today · 4.125%
HK$134,964
baseline
▲ 0.50% · 4.625%
HK$143,176
+HK$8,212/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$269,928/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,286
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$145,075
−HK$3,844/mo
Today · 4.125%
HK$148,919
baseline
▲ 0.50% · 4.625%
HK$156,769
+HK$7,850/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$297,838/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,031 · Scale 2, in force from 26 Feb 2026)