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$70,247
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,432
−HK$2,221/mo
Today · 4.125%
HK$74,653
baseline
▲ 0.50% · 4.625%
HK$79,195
+HK$4,542/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,306/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,150
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,245
−HK$2,127/mo
Today · 4.125%
HK$82,372
baseline
▲ 0.50% · 4.625%
HK$86,714
+HK$4,342/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,744/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,297
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,919
−HK$2,664/mo
Today · 4.125%
HK$89,583
baseline
▲ 0.50% · 4.625%
HK$95,034
+HK$5,451/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$179,166/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,779
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,295
−HK$2,551/mo
Today · 4.125%
HK$98,846
baseline
▲ 0.50% · 4.625%
HK$104,056
+HK$5,210/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$197,692/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,346
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$101,405
−HK$3,109/mo
Today · 4.125%
HK$104,514
baseline
▲ 0.50% · 4.625%
HK$110,873
+HK$6,359/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$209,028/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,409
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$112,344
−HK$2,976/mo
Today · 4.125%
HK$115,320
baseline
▲ 0.50% · 4.625%
HK$121,399
+HK$6,079/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$230,640/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,445
−HK$7,930/mo
▼ 0.25% · 3.875%
HK$130,378
−HK$3,997/mo
Today · 4.125%
HK$134,375
baseline
▲ 0.50% · 4.625%
HK$142,551
+HK$8,176/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$268,750/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,669
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$144,442
−HK$3,827/mo
Today · 4.125%
HK$148,269
baseline
▲ 0.50% · 4.625%
HK$156,085
+HK$7,816/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$296,538/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,289 · Scale 2, in force from 26 Feb 2026)