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$70,198
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,381
−HK$2,219/mo
Today · 4.125%
HK$74,600
baseline
▲ 0.50% · 4.625%
HK$79,139
+HK$4,539/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,200/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,094
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,188
−HK$2,125/mo
Today · 4.125%
HK$82,313
baseline
▲ 0.50% · 4.625%
HK$86,652
+HK$4,339/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,626/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,237
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,857
−HK$2,662/mo
Today · 4.125%
HK$89,519
baseline
▲ 0.50% · 4.625%
HK$94,966
+HK$5,447/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$179,038/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,713
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,226
−HK$2,550/mo
Today · 4.125%
HK$98,776
baseline
▲ 0.50% · 4.625%
HK$103,982
+HK$5,206/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$197,552/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,277
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,333
−HK$3,106/mo
Today · 4.125%
HK$104,439
baseline
▲ 0.50% · 4.625%
HK$110,794
+HK$6,355/mo
Deposit HK$9.24M · loan HK$21.55M · min. income ≈ HK$208,878/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,332
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,264
−HK$2,974/mo
Today · 4.125%
HK$115,238
baseline
▲ 0.50% · 4.625%
HK$121,313
+HK$6,075/mo
Deposit HK$9.24M · loan HK$21.55M · min. income ≈ HK$230,476/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,356
−HK$7,923/mo
▼ 0.25% · 3.875%
HK$130,286
−HK$3,993/mo
Today · 4.125%
HK$134,279
baseline
▲ 0.50% · 4.625%
HK$142,450
+HK$8,171/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$268,558/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,569
−HK$7,595/mo
▼ 0.25% · 3.875%
HK$144,339
−HK$3,825/mo
Today · 4.125%
HK$148,164
baseline
▲ 0.50% · 4.625%
HK$155,974
+HK$7,810/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$296,328/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,359 · Scale 2, in force from 26 Feb 2026)