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$70,452
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,644
−HK$2,226/mo
Today · 4.125%
HK$74,870
baseline
▲ 0.50% · 4.625%
HK$79,426
+HK$4,556/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$149,740/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,378
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,480
−HK$2,132/mo
Today · 4.125%
HK$82,612
baseline
▲ 0.50% · 4.625%
HK$86,967
+HK$4,355/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$165,224/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,543
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,173
−HK$2,671/mo
Today · 4.125%
HK$89,844
baseline
▲ 0.50% · 4.625%
HK$95,311
+HK$5,467/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$179,688/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,053
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,576
−HK$2,558/mo
Today · 4.125%
HK$99,134
baseline
▲ 0.50% · 4.625%
HK$104,360
+HK$5,226/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$198,268/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,633
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,701
−HK$3,118/mo
Today · 4.125%
HK$104,819
baseline
▲ 0.50% · 4.625%
HK$111,196
+HK$6,377/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$209,638/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,729
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$112,671
−HK$2,986/mo
Today · 4.125%
HK$115,657
baseline
▲ 0.50% · 4.625%
HK$121,753
+HK$6,096/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$231,314/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,814
−HK$7,953/mo
▼ 0.25% · 3.875%
HK$130,759
−HK$4,008/mo
Today · 4.125%
HK$134,767
baseline
▲ 0.50% · 4.625%
HK$142,967
+HK$8,200/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$269,534/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,080
−HK$7,622/mo
▼ 0.25% · 3.875%
HK$144,863
−HK$3,839/mo
Today · 4.125%
HK$148,702
baseline
▲ 0.50% · 4.625%
HK$156,540
+HK$7,838/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$297,404/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,110 · Scale 2, in force from 26 Feb 2026)