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$70,101
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,282
−HK$2,215/mo
Today · 4.125%
HK$74,497
baseline
▲ 0.50% · 4.625%
HK$79,030
+HK$4,533/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$148,994/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,987
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,078
−HK$2,122/mo
Today · 4.125%
HK$82,200
baseline
▲ 0.50% · 4.625%
HK$86,533
+HK$4,333/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,400/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,121
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,738
−HK$2,659/mo
Today · 4.125%
HK$89,397
baseline
▲ 0.50% · 4.625%
HK$94,836
+HK$5,439/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,794/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,584
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,094
−HK$2,546/mo
Today · 4.125%
HK$98,640
baseline
▲ 0.50% · 4.625%
HK$103,840
+HK$5,200/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,280/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,142
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,194
−HK$3,102/mo
Today · 4.125%
HK$104,296
baseline
▲ 0.50% · 4.625%
HK$110,642
+HK$6,346/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$208,592/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,182
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,110
−HK$2,970/mo
Today · 4.125%
HK$115,080
baseline
▲ 0.50% · 4.625%
HK$121,146
+HK$6,066/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$230,160/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,182
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$130,107
−HK$3,988/mo
Today · 4.125%
HK$134,095
baseline
▲ 0.50% · 4.625%
HK$142,254
+HK$8,159/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$268,190/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,376
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$144,141
−HK$3,819/mo
Today · 4.125%
HK$147,960
baseline
▲ 0.50% · 4.625%
HK$155,760
+HK$7,800/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$295,920/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,563 · Scale 2, in force from 26 Feb 2026)