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$70,170
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,352
−HK$2,218/mo
Today · 4.125%
HK$74,570
baseline
▲ 0.50% · 4.625%
HK$79,107
+HK$4,537/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,140/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,063
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,157
−HK$2,124/mo
Today · 4.125%
HK$82,281
baseline
▲ 0.50% · 4.625%
HK$86,618
+HK$4,337/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,562/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,204
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,823
−HK$2,661/mo
Today · 4.125%
HK$89,484
baseline
▲ 0.50% · 4.625%
HK$94,929
+HK$5,445/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$178,968/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,307,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,676
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$96,188
−HK$2,549/mo
Today · 4.125%
HK$98,737
baseline
▲ 0.50% · 4.625%
HK$103,941
+HK$5,204/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$197,474/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,307,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,238
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$101,293
−HK$3,105/mo
Today · 4.125%
HK$104,398
baseline
▲ 0.50% · 4.625%
HK$110,750
+HK$6,352/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$208,796/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,288
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,219
−HK$2,974/mo
Today · 4.125%
HK$115,193
baseline
▲ 0.50% · 4.625%
HK$121,265
+HK$6,072/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$230,386/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,306
−HK$7,920/mo
▼ 0.25% · 3.875%
HK$130,234
−HK$3,992/mo
Today · 4.125%
HK$134,226
baseline
▲ 0.50% · 4.625%
HK$142,393
+HK$8,167/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$268,452/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,307,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,514
−HK$7,591/mo
▼ 0.25% · 3.875%
HK$144,282
−HK$3,823/mo
Today · 4.125%
HK$148,105
baseline
▲ 0.50% · 4.625%
HK$155,912
+HK$7,807/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$296,210/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,307,843 · Scale 2, in force from 26 Feb 2026)