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$70,288
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,475
−HK$2,221/mo
Today · 4.125%
HK$74,696
baseline
▲ 0.50% · 4.625%
HK$79,241
+HK$4,545/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,392/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,310,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,195
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,292
−HK$2,127/mo
Today · 4.125%
HK$82,419
baseline
▲ 0.50% · 4.625%
HK$86,764
+HK$4,345/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,838/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,310,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,346
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,969
−HK$2,666/mo
Today · 4.125%
HK$89,635
baseline
▲ 0.50% · 4.625%
HK$95,089
+HK$5,454/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$179,270/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,834
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,350
−HK$2,553/mo
Today · 4.125%
HK$98,903
baseline
▲ 0.50% · 4.625%
HK$104,117
+HK$5,214/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$197,806/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,403
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$101,464
−HK$3,110/mo
Today · 4.125%
HK$104,574
baseline
▲ 0.50% · 4.625%
HK$110,937
+HK$6,363/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$209,148/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,473
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,409
−HK$2,978/mo
Today · 4.125%
HK$115,387
baseline
▲ 0.50% · 4.625%
HK$121,469
+HK$6,082/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$230,774/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,519
−HK$7,933/mo
▼ 0.25% · 3.875%
HK$130,454
−HK$3,998/mo
Today · 4.125%
HK$134,452
baseline
▲ 0.50% · 4.625%
HK$142,634
+HK$8,182/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$268,904/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,751
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$144,526
−HK$3,829/mo
Today · 4.125%
HK$148,355
baseline
▲ 0.50% · 4.625%
HK$156,175
+HK$7,820/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$296,710/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,049 · Scale 2, in force from 26 Feb 2026)