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$70,500
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,693
−HK$2,228/mo
Today · 4.125%
HK$74,921
baseline
▲ 0.50% · 4.625%
HK$79,480
+HK$4,559/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$149,842/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,314,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,431
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,534
−HK$2,134/mo
Today · 4.125%
HK$82,668
baseline
▲ 0.50% · 4.625%
HK$87,026
+HK$4,358/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$165,336/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,314,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,600
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,232
−HK$2,674/mo
Today · 4.125%
HK$89,906
baseline
▲ 0.50% · 4.625%
HK$95,376
+HK$5,470/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$179,812/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,117
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,641
−HK$2,561/mo
Today · 4.125%
HK$99,202
baseline
▲ 0.50% · 4.625%
HK$104,431
+HK$5,229/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$198,404/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,700
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,771
−HK$3,119/mo
Today · 4.125%
HK$104,890
baseline
▲ 0.50% · 4.625%
HK$111,272
+HK$6,382/mo
Deposit HK$9.28M · loan HK$21.64M · min. income ≈ HK$209,780/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,803
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,748
−HK$2,988/mo
Today · 4.125%
HK$115,736
baseline
▲ 0.50% · 4.625%
HK$121,836
+HK$6,100/mo
Deposit HK$9.28M · loan HK$21.64M · min. income ≈ HK$231,472/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,901
−HK$7,957/mo
▼ 0.25% · 3.875%
HK$130,848
−HK$4,010/mo
Today · 4.125%
HK$134,858
baseline
▲ 0.50% · 4.625%
HK$143,064
+HK$8,206/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$269,716/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,176
−HK$7,627/mo
▼ 0.25% · 3.875%
HK$144,962
−HK$3,841/mo
Today · 4.125%
HK$148,803
baseline
▲ 0.50% · 4.625%
HK$156,647
+HK$7,844/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$297,606/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,004 · Scale 2, in force from 26 Feb 2026)