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$70,222
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,407
−HK$2,219/mo
Today · 4.125%
HK$74,626
baseline
▲ 0.50% · 4.625%
HK$79,167
+HK$4,541/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,252/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,308,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,122
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,217
−HK$2,126/mo
Today · 4.125%
HK$82,343
baseline
▲ 0.50% · 4.625%
HK$86,683
+HK$4,340/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,686/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,308,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,267
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,888
−HK$2,663/mo
Today · 4.125%
HK$89,551
baseline
▲ 0.50% · 4.625%
HK$95,000
+HK$5,449/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$179,102/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,308,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,746
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,260
−HK$2,551/mo
Today · 4.125%
HK$98,811
baseline
▲ 0.50% · 4.625%
HK$104,019
+HK$5,208/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$197,622/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,308,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,311
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,370
−HK$3,106/mo
Today · 4.125%
HK$104,476
baseline
▲ 0.50% · 4.625%
HK$110,834
+HK$6,358/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$208,952/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,371
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,304
−HK$2,976/mo
Today · 4.125%
HK$115,280
baseline
▲ 0.50% · 4.625%
HK$121,356
+HK$6,076/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$230,560/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,400
−HK$7,927/mo
▼ 0.25% · 3.875%
HK$130,332
−HK$3,995/mo
Today · 4.125%
HK$134,327
baseline
▲ 0.50% · 4.625%
HK$142,500
+HK$8,173/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$268,654/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,619
−HK$7,598/mo
▼ 0.25% · 3.875%
HK$144,391
−HK$3,826/mo
Today · 4.125%
HK$148,217
baseline
▲ 0.50% · 4.625%
HK$156,029
+HK$7,812/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$296,434/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,825 · Scale 2, in force from 26 Feb 2026)