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$70,463
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,655
−HK$2,227/mo
Today · 4.125%
HK$74,882
baseline
▲ 0.50% · 4.625%
HK$79,438
+HK$4,556/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$149,764/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,389
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,492
−HK$2,133/mo
Today · 4.125%
HK$82,625
baseline
▲ 0.50% · 4.625%
HK$86,980
+HK$4,355/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$165,250/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,556
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,186
−HK$2,672/mo
Today · 4.125%
HK$89,858
baseline
▲ 0.50% · 4.625%
HK$95,326
+HK$5,468/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$179,716/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,067
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,590
−HK$2,560/mo
Today · 4.125%
HK$99,150
baseline
▲ 0.50% · 4.625%
HK$104,376
+HK$5,226/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$198,300/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,648
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,717
−HK$3,117/mo
Today · 4.125%
HK$104,834
baseline
▲ 0.50% · 4.625%
HK$111,213
+HK$6,379/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$209,668/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,745
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,689
−HK$2,985/mo
Today · 4.125%
HK$115,674
baseline
▲ 0.50% · 4.625%
HK$121,772
+HK$6,098/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$231,348/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,834
−HK$7,953/mo
▼ 0.25% · 3.875%
HK$130,779
−HK$4,008/mo
Today · 4.125%
HK$134,787
baseline
▲ 0.50% · 4.625%
HK$142,989
+HK$8,202/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$269,574/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,101
−HK$7,623/mo
▼ 0.25% · 3.875%
HK$144,885
−HK$3,839/mo
Today · 4.125%
HK$148,724
baseline
▲ 0.50% · 4.625%
HK$156,564
+HK$7,840/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$297,448/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,310 · Scale 2, in force from 26 Feb 2026)