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$70,199
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,382
−HK$2,219/mo
Today · 4.125%
HK$74,601
baseline
▲ 0.50% · 4.625%
HK$79,140
+HK$4,539/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,202/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,095
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,190
−HK$2,124/mo
Today · 4.125%
HK$82,314
baseline
▲ 0.50% · 4.625%
HK$86,653
+HK$4,339/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,628/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,238
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,859
−HK$2,662/mo
Today · 4.125%
HK$89,521
baseline
▲ 0.50% · 4.625%
HK$94,968
+HK$5,447/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$179,042/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,714
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,228
−HK$2,549/mo
Today · 4.125%
HK$98,777
baseline
▲ 0.50% · 4.625%
HK$103,984
+HK$5,207/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$197,554/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,278
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,335
−HK$3,106/mo
Today · 4.125%
HK$104,441
baseline
▲ 0.50% · 4.625%
HK$110,796
+HK$6,355/mo
Deposit HK$9.24M · loan HK$21.55M · min. income ≈ HK$208,882/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,333
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$112,265
−HK$2,975/mo
Today · 4.125%
HK$115,240
baseline
▲ 0.50% · 4.625%
HK$121,315
+HK$6,075/mo
Deposit HK$9.24M · loan HK$21.55M · min. income ≈ HK$230,480/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,357
−HK$7,924/mo
▼ 0.25% · 3.875%
HK$130,288
−HK$3,993/mo
Today · 4.125%
HK$134,281
baseline
▲ 0.50% · 4.625%
HK$142,452
+HK$8,171/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$268,562/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,571
−HK$7,595/mo
▼ 0.25% · 3.875%
HK$144,341
−HK$3,825/mo
Today · 4.125%
HK$148,166
baseline
▲ 0.50% · 4.625%
HK$155,976
+HK$7,810/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$296,332/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,379 · Scale 2, in force from 26 Feb 2026)