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$70,042
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,220
−HK$2,214/mo
Today · 4.125%
HK$74,434
baseline
▲ 0.50% · 4.625%
HK$78,963
+HK$4,529/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,868/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,920
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,010
−HK$2,120/mo
Today · 4.125%
HK$82,130
baseline
▲ 0.50% · 4.625%
HK$86,459
+HK$4,329/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,260/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,050
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,664
−HK$2,656/mo
Today · 4.125%
HK$89,320
baseline
▲ 0.50% · 4.625%
HK$94,755
+HK$5,435/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$178,640/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,505
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$96,012
−HK$2,544/mo
Today · 4.125%
HK$98,556
baseline
▲ 0.50% · 4.625%
HK$103,751
+HK$5,195/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$197,112/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,058
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,108
−HK$3,099/mo
Today · 4.125%
HK$104,207
baseline
▲ 0.50% · 4.625%
HK$110,548
+HK$6,341/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$208,414/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,089
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$112,014
−HK$2,968/mo
Today · 4.125%
HK$114,982
baseline
▲ 0.50% · 4.625%
HK$121,043
+HK$6,061/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$229,964/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,075
−HK$7,906/mo
▼ 0.25% · 3.875%
HK$129,996
−HK$3,985/mo
Today · 4.125%
HK$133,981
baseline
▲ 0.50% · 4.625%
HK$142,133
+HK$8,152/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$267,962/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,257
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$144,018
−HK$3,816/mo
Today · 4.125%
HK$147,834
baseline
▲ 0.50% · 4.625%
HK$155,627
+HK$7,793/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$295,668/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,452 · Scale 2, in force from 26 Feb 2026)