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$72,353
−HK$2,217/mo
Today · 4.125%
HK$74,570
baseline
▲ 0.50% · 4.625%
HK$79,108
+HK$4,538/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$1,307,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,064
−HK$4,217/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$1,307,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,204
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,823
−HK$2,662/mo
Today · 4.125%
HK$89,485
baseline
▲ 0.50% · 4.625%
HK$94,929
+HK$5,444/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$178,970/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,307,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,676
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$96,189
−HK$2,548/mo
Today · 4.125%
HK$98,737
baseline
▲ 0.50% · 4.625%
HK$103,942
+HK$5,205/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$1,307,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,238
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$101,294
−HK$3,105/mo
Today · 4.125%
HK$104,399
baseline
▲ 0.50% · 4.625%
HK$110,751
+HK$6,352/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$208,798/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,289
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,220
−HK$2,974/mo
Today · 4.125%
HK$115,194
baseline
▲ 0.50% · 4.625%
HK$121,266
+HK$6,072/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$230,388/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,306
−HK$7,921/mo
▼ 0.25% · 3.875%
HK$130,235
−HK$3,992/mo
Today · 4.125%
HK$134,227
baseline
▲ 0.50% · 4.625%
HK$142,394
+HK$8,167/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$268,454/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,307,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,514
−HK$7,592/mo
▼ 0.25% · 3.875%
HK$144,283
−HK$3,823/mo
Today · 4.125%
HK$148,106
baseline
▲ 0.50% · 4.625%
HK$155,913
+HK$7,807/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$296,212/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,307,849 · Scale 2, in force from 26 Feb 2026)