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$70,251
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,436
−HK$2,221/mo
Today · 4.125%
HK$74,657
baseline
▲ 0.50% · 4.625%
HK$79,199
+HK$4,542/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,314/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,154
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,250
−HK$2,126/mo
Today · 4.125%
HK$82,376
baseline
▲ 0.50% · 4.625%
HK$86,718
+HK$4,342/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,752/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,301
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$86,924
−HK$2,664/mo
Today · 4.125%
HK$89,588
baseline
▲ 0.50% · 4.625%
HK$95,039
+HK$5,451/mo
Deposit HK$12.32M · loan HK$18.49M · min. income ≈ HK$179,176/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,785
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,300
−HK$2,551/mo
Today · 4.125%
HK$98,851
baseline
▲ 0.50% · 4.625%
HK$104,062
+HK$5,211/mo
Deposit HK$12.32M · loan HK$18.49M · min. income ≈ HK$197,702/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,352
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$101,411
−HK$3,108/mo
Today · 4.125%
HK$104,519
baseline
▲ 0.50% · 4.625%
HK$110,879
+HK$6,360/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$209,038/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,415
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$112,350
−HK$2,977/mo
Today · 4.125%
HK$115,327
baseline
▲ 0.50% · 4.625%
HK$121,406
+HK$6,079/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$230,654/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,452
−HK$7,930/mo
▼ 0.25% · 3.875%
HK$130,386
−HK$3,996/mo
Today · 4.125%
HK$134,382
baseline
▲ 0.50% · 4.625%
HK$142,559
+HK$8,177/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$268,764/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,677
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$144,450
−HK$3,827/mo
Today · 4.125%
HK$148,277
baseline
▲ 0.50% · 4.625%
HK$156,093
+HK$7,816/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$296,554/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,361 · Scale 2, in force from 26 Feb 2026)