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$70,317
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,504
−HK$2,222/mo
Today · 4.125%
HK$74,726
baseline
▲ 0.50% · 4.625%
HK$79,273
+HK$4,547/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,452/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,226
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,324
−HK$2,129/mo
Today · 4.125%
HK$82,453
baseline
▲ 0.50% · 4.625%
HK$86,799
+HK$4,346/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,906/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,380
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$87,005
−HK$2,666/mo
Today · 4.125%
HK$89,671
baseline
▲ 0.50% · 4.625%
HK$95,128
+HK$5,457/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$179,342/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,872
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,389
−HK$2,554/mo
Today · 4.125%
HK$98,943
baseline
▲ 0.50% · 4.625%
HK$104,159
+HK$5,216/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$197,886/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,443
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,505
−HK$3,111/mo
Today · 4.125%
HK$104,616
baseline
▲ 0.50% · 4.625%
HK$110,982
+HK$6,366/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,232/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,517
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$112,454
−HK$2,980/mo
Today · 4.125%
HK$115,434
baseline
▲ 0.50% · 4.625%
HK$121,519
+HK$6,085/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,868/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,570
−HK$7,937/mo
▼ 0.25% · 3.875%
HK$130,507
−HK$4,000/mo
Today · 4.125%
HK$134,507
baseline
▲ 0.50% · 4.625%
HK$142,691
+HK$8,184/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$269,014/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,808
−HK$7,607/mo
▼ 0.25% · 3.875%
HK$144,584
−HK$3,831/mo
Today · 4.125%
HK$148,415
baseline
▲ 0.50% · 4.625%
HK$156,238
+HK$7,823/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$296,830/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,579 · Scale 2, in force from 26 Feb 2026)