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$70,174
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,357
−HK$2,218/mo
Today · 4.125%
HK$74,575
baseline
▲ 0.50% · 4.625%
HK$79,113
+HK$4,538/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,150/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,307,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,068
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,162
−HK$2,124/mo
Today · 4.125%
HK$82,286
baseline
▲ 0.50% · 4.625%
HK$86,623
+HK$4,337/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,572/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,307,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,209
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,829
−HK$2,661/mo
Today · 4.125%
HK$89,490
baseline
▲ 0.50% · 4.625%
HK$94,935
+HK$5,445/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$178,980/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,307,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,682
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$96,194
−HK$2,549/mo
Today · 4.125%
HK$98,743
baseline
▲ 0.50% · 4.625%
HK$103,948
+HK$5,205/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$197,486/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,307,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,244
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$101,300
−HK$3,105/mo
Today · 4.125%
HK$104,405
baseline
▲ 0.50% · 4.625%
HK$110,758
+HK$6,353/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$208,810/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,296
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$112,227
−HK$2,973/mo
Today · 4.125%
HK$115,200
baseline
▲ 0.50% · 4.625%
HK$121,273
+HK$6,073/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$230,400/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,314
−HK$7,921/mo
▼ 0.25% · 3.875%
HK$130,243
−HK$3,992/mo
Today · 4.125%
HK$134,235
baseline
▲ 0.50% · 4.625%
HK$142,403
+HK$8,168/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$268,470/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,307,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,523
−HK$7,592/mo
▼ 0.25% · 3.875%
HK$144,292
−HK$3,823/mo
Today · 4.125%
HK$148,115
baseline
▲ 0.50% · 4.625%
HK$155,922
+HK$7,807/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$296,230/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,307,927 · Scale 2, in force from 26 Feb 2026)