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$70,183
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,366
−HK$2,218/mo
Today · 4.125%
HK$74,584
baseline
▲ 0.50% · 4.625%
HK$79,122
+HK$4,538/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,168/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,078
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,172
−HK$2,124/mo
Today · 4.125%
HK$82,296
baseline
▲ 0.50% · 4.625%
HK$86,634
+HK$4,338/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,592/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,220
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,839
−HK$2,662/mo
Today · 4.125%
HK$89,501
baseline
▲ 0.50% · 4.625%
HK$94,947
+HK$5,446/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$179,002/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,694
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,206
−HK$2,550/mo
Today · 4.125%
HK$98,756
baseline
▲ 0.50% · 4.625%
HK$103,961
+HK$5,205/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$197,512/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,256
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,313
−HK$3,105/mo
Today · 4.125%
HK$104,418
baseline
▲ 0.50% · 4.625%
HK$110,771
+HK$6,353/mo
Deposit HK$9.23M · loan HK$21.55M · min. income ≈ HK$208,836/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,309
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,241
−HK$2,974/mo
Today · 4.125%
HK$115,215
baseline
▲ 0.50% · 4.625%
HK$121,288
+HK$6,073/mo
Deposit HK$9.23M · loan HK$21.55M · min. income ≈ HK$230,430/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,330
−HK$7,922/mo
▼ 0.25% · 3.875%
HK$130,259
−HK$3,993/mo
Today · 4.125%
HK$134,252
baseline
▲ 0.50% · 4.625%
HK$142,420
+HK$8,168/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$268,504/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,540
−HK$7,593/mo
▼ 0.25% · 3.875%
HK$144,310
−HK$3,823/mo
Today · 4.125%
HK$148,133
baseline
▲ 0.50% · 4.625%
HK$155,942
+HK$7,809/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$296,266/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,090 · Scale 2, in force from 26 Feb 2026)