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$70,529
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,722
−HK$2,229/mo
Today · 4.125%
HK$74,951
baseline
▲ 0.50% · 4.625%
HK$79,512
+HK$4,561/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,902/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,462
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,567
−HK$2,134/mo
Today · 4.125%
HK$82,701
baseline
▲ 0.50% · 4.625%
HK$87,061
+HK$4,360/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,402/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,634
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,267
−HK$2,675/mo
Today · 4.125%
HK$89,942
baseline
▲ 0.50% · 4.625%
HK$95,414
+HK$5,472/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$179,884/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,155
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,680
−HK$2,562/mo
Today · 4.125%
HK$99,242
baseline
▲ 0.50% · 4.625%
HK$104,473
+HK$5,231/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$198,484/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,740
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,811
−HK$3,121/mo
Today · 4.125%
HK$104,932
baseline
▲ 0.50% · 4.625%
HK$111,317
+HK$6,385/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$209,864/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,847
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,793
−HK$2,989/mo
Today · 4.125%
HK$115,782
baseline
▲ 0.50% · 4.625%
HK$121,885
+HK$6,103/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$231,564/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,951
−HK$7,961/mo
▼ 0.25% · 3.875%
HK$130,900
−HK$4,012/mo
Today · 4.125%
HK$134,912
baseline
▲ 0.50% · 4.625%
HK$143,122
+HK$8,210/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$269,824/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,232
−HK$7,631/mo
▼ 0.25% · 3.875%
HK$145,020
−HK$3,843/mo
Today · 4.125%
HK$148,863
baseline
▲ 0.50% · 4.625%
HK$156,709
+HK$7,846/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$297,726/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,530 · Scale 2, in force from 26 Feb 2026)