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$70,318
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,505
−HK$2,223/mo
Today · 4.125%
HK$74,728
baseline
▲ 0.50% · 4.625%
HK$79,275
+HK$4,547/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,456/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,228
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,326
−HK$2,128/mo
Today · 4.125%
HK$82,454
baseline
▲ 0.50% · 4.625%
HK$86,801
+HK$4,347/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,908/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,382
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$87,006
−HK$2,667/mo
Today · 4.125%
HK$89,673
baseline
▲ 0.50% · 4.625%
HK$95,129
+HK$5,456/mo
Deposit HK$12.34M · loan HK$18.50M · min. income ≈ HK$179,346/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,874
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,391
−HK$2,554/mo
Today · 4.125%
HK$98,945
baseline
▲ 0.50% · 4.625%
HK$104,161
+HK$5,216/mo
Deposit HK$12.34M · loan HK$18.50M · min. income ≈ HK$197,890/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,445
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$101,507
−HK$3,112/mo
Today · 4.125%
HK$104,619
baseline
▲ 0.50% · 4.625%
HK$110,984
+HK$6,365/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,238/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,519
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$112,457
−HK$2,979/mo
Today · 4.125%
HK$115,436
baseline
▲ 0.50% · 4.625%
HK$121,521
+HK$6,085/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,872/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,572
−HK$7,938/mo
▼ 0.25% · 3.875%
HK$130,509
−HK$4,001/mo
Today · 4.125%
HK$134,510
baseline
▲ 0.50% · 4.625%
HK$142,694
+HK$8,184/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$269,020/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,810
−HK$7,608/mo
▼ 0.25% · 3.875%
HK$144,587
−HK$3,831/mo
Today · 4.125%
HK$148,418
baseline
▲ 0.50% · 4.625%
HK$156,241
+HK$7,823/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$296,836/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,605 · Scale 2, in force from 26 Feb 2026)