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$70,207
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,390
−HK$2,219/mo
Today · 4.125%
HK$74,609
baseline
▲ 0.50% · 4.625%
HK$79,149
+HK$4,540/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,218/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,104
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,199
−HK$2,125/mo
Today · 4.125%
HK$82,324
baseline
▲ 0.50% · 4.625%
HK$86,663
+HK$4,339/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,648/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,248
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,868
−HK$2,663/mo
Today · 4.125%
HK$89,531
baseline
▲ 0.50% · 4.625%
HK$94,979
+HK$5,448/mo
Deposit HK$12.32M · loan HK$18.47M · min. income ≈ HK$179,062/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,725
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,239
−HK$2,550/mo
Today · 4.125%
HK$98,789
baseline
▲ 0.50% · 4.625%
HK$103,996
+HK$5,207/mo
Deposit HK$12.32M · loan HK$18.47M · min. income ≈ HK$197,578/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,289
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$101,347
−HK$3,106/mo
Today · 4.125%
HK$104,453
baseline
▲ 0.50% · 4.625%
HK$110,809
+HK$6,356/mo
Deposit HK$9.24M · loan HK$21.55M · min. income ≈ HK$208,906/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,346
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$112,278
−HK$2,975/mo
Today · 4.125%
HK$115,253
baseline
▲ 0.50% · 4.625%
HK$121,329
+HK$6,076/mo
Deposit HK$9.24M · loan HK$21.55M · min. income ≈ HK$230,506/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,372
−HK$7,924/mo
▼ 0.25% · 3.875%
HK$130,303
−HK$3,993/mo
Today · 4.125%
HK$134,296
baseline
▲ 0.50% · 4.625%
HK$142,468
+HK$8,172/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$268,592/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,587
−HK$7,596/mo
▼ 0.25% · 3.875%
HK$144,358
−HK$3,825/mo
Today · 4.125%
HK$148,183
baseline
▲ 0.50% · 4.625%
HK$155,994
+HK$7,811/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$296,366/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,528 · Scale 2, in force from 26 Feb 2026)