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$70,070
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,250
−HK$2,214/mo
Today · 4.125%
HK$74,464
baseline
▲ 0.50% · 4.625%
HK$78,995
+HK$4,531/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,928/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,305,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,952
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,043
−HK$2,121/mo
Today · 4.125%
HK$82,164
baseline
▲ 0.50% · 4.625%
HK$86,495
+HK$4,331/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,328/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,305,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,084
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,699
−HK$2,658/mo
Today · 4.125%
HK$89,357
baseline
▲ 0.50% · 4.625%
HK$94,794
+HK$5,437/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$178,714/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,305,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,543
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$96,051
−HK$2,545/mo
Today · 4.125%
HK$98,596
baseline
▲ 0.50% · 4.625%
HK$103,793
+HK$5,197/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$197,192/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,305,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,098
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,149
−HK$3,101/mo
Today · 4.125%
HK$104,250
baseline
▲ 0.50% · 4.625%
HK$110,593
+HK$6,343/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$208,500/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,133
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$112,060
−HK$2,969/mo
Today · 4.125%
HK$115,029
baseline
▲ 0.50% · 4.625%
HK$121,092
+HK$6,063/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$230,058/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,126
−HK$7,909/mo
▼ 0.25% · 3.875%
HK$130,049
−HK$3,986/mo
Today · 4.125%
HK$134,035
baseline
▲ 0.50% · 4.625%
HK$142,191
+HK$8,156/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$268,070/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,314
−HK$7,580/mo
▼ 0.25% · 3.875%
HK$144,077
−HK$3,817/mo
Today · 4.125%
HK$147,894
baseline
▲ 0.50% · 4.625%
HK$155,690
+HK$7,796/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$295,788/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,982 · Scale 2, in force from 26 Feb 2026)