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$70,286
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,473
−HK$2,221/mo
Today · 4.125%
HK$74,694
baseline
▲ 0.50% · 4.625%
HK$79,239
+HK$4,545/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,388/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,310,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,193
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,290
−HK$2,127/mo
Today · 4.125%
HK$82,417
baseline
▲ 0.50% · 4.625%
HK$86,762
+HK$4,345/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,834/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,310,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,344
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,967
−HK$2,666/mo
Today · 4.125%
HK$89,633
baseline
▲ 0.50% · 4.625%
HK$95,087
+HK$5,454/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$179,266/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,831
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,348
−HK$2,553/mo
Today · 4.125%
HK$98,901
baseline
▲ 0.50% · 4.625%
HK$104,114
+HK$5,213/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$197,802/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,310,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,401
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$101,462
−HK$3,109/mo
Today · 4.125%
HK$104,571
baseline
▲ 0.50% · 4.625%
HK$110,934
+HK$6,363/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$209,142/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,470
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,406
−HK$2,978/mo
Today · 4.125%
HK$115,384
baseline
▲ 0.50% · 4.625%
HK$121,466
+HK$6,082/mo
Deposit HK$9.25M · loan HK$21.58M · min. income ≈ HK$230,768/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,515
−HK$7,934/mo
▼ 0.25% · 3.875%
HK$130,451
−HK$3,998/mo
Today · 4.125%
HK$134,449
baseline
▲ 0.50% · 4.625%
HK$142,630
+HK$8,181/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$268,898/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,747
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$144,522
−HK$3,829/mo
Today · 4.125%
HK$148,351
baseline
▲ 0.50% · 4.625%
HK$156,171
+HK$7,820/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$296,702/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,015 · Scale 2, in force from 26 Feb 2026)