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$70,298
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,485
−HK$2,221/mo
Today · 4.125%
HK$74,706
baseline
▲ 0.50% · 4.625%
HK$79,252
+HK$4,546/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,412/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,310,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,206
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,303
−HK$2,128/mo
Today · 4.125%
HK$82,431
baseline
▲ 0.50% · 4.625%
HK$86,776
+HK$4,345/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,862/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,310,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,358
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,982
−HK$2,666/mo
Today · 4.125%
HK$89,648
baseline
▲ 0.50% · 4.625%
HK$95,103
+HK$5,455/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$179,296/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,847
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,364
−HK$2,553/mo
Today · 4.125%
HK$98,917
baseline
▲ 0.50% · 4.625%
HK$104,132
+HK$5,215/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$197,834/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,417
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$101,479
−HK$3,110/mo
Today · 4.125%
HK$104,589
baseline
▲ 0.50% · 4.625%
HK$110,953
+HK$6,364/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$209,178/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,488
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,425
−HK$2,979/mo
Today · 4.125%
HK$115,404
baseline
▲ 0.50% · 4.625%
HK$121,487
+HK$6,083/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$230,808/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,537
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$130,473
−HK$3,999/mo
Today · 4.125%
HK$134,472
baseline
▲ 0.50% · 4.625%
HK$142,654
+HK$8,182/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$268,944/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,771
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$144,546
−HK$3,830/mo
Today · 4.125%
HK$148,376
baseline
▲ 0.50% · 4.625%
HK$156,197
+HK$7,821/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$296,752/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,235 · Scale 2, in force from 26 Feb 2026)