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$70,090
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,270
−HK$2,215/mo
Today · 4.125%
HK$74,485
baseline
▲ 0.50% · 4.625%
HK$79,017
+HK$4,532/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$148,970/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,974
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,065
−HK$2,122/mo
Today · 4.125%
HK$82,187
baseline
▲ 0.50% · 4.625%
HK$86,519
+HK$4,332/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,374/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,107
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,724
−HK$2,658/mo
Today · 4.125%
HK$89,382
baseline
▲ 0.50% · 4.625%
HK$94,820
+HK$5,438/mo
Deposit HK$12.30M · loan HK$18.44M · min. income ≈ HK$178,764/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,569
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,078
−HK$2,546/mo
Today · 4.125%
HK$98,624
baseline
▲ 0.50% · 4.625%
HK$103,823
+HK$5,199/mo
Deposit HK$12.30M · loan HK$18.44M · min. income ≈ HK$197,248/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,125
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,178
−HK$3,101/mo
Today · 4.125%
HK$104,279
baseline
▲ 0.50% · 4.625%
HK$110,624
+HK$6,345/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$208,558/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,164
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,091
−HK$2,970/mo
Today · 4.125%
HK$115,061
baseline
▲ 0.50% · 4.625%
HK$121,126
+HK$6,065/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$230,122/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,161
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$130,086
−HK$3,987/mo
Today · 4.125%
HK$134,073
baseline
▲ 0.50% · 4.625%
HK$142,231
+HK$8,158/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$268,146/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,353
−HK$7,583/mo
▼ 0.25% · 3.875%
HK$144,117
−HK$3,819/mo
Today · 4.125%
HK$147,936
baseline
▲ 0.50% · 4.625%
HK$155,734
+HK$7,798/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$295,872/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,348 · Scale 2, in force from 26 Feb 2026)