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$70,053
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,232
−HK$2,214/mo
Today · 4.125%
HK$74,446
baseline
▲ 0.50% · 4.625%
HK$78,976
+HK$4,530/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,892/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,305,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,933
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,023
−HK$2,120/mo
Today · 4.125%
HK$82,143
baseline
▲ 0.50% · 4.625%
HK$86,473
+HK$4,330/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,286/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,305,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,063
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$86,678
−HK$2,657/mo
Today · 4.125%
HK$89,335
baseline
▲ 0.50% · 4.625%
HK$94,771
+HK$5,436/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$178,670/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,520
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,028
−HK$2,544/mo
Today · 4.125%
HK$98,572
baseline
▲ 0.50% · 4.625%
HK$103,768
+HK$5,196/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$197,144/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,074
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$101,125
−HK$3,099/mo
Today · 4.125%
HK$104,224
baseline
▲ 0.50% · 4.625%
HK$110,566
+HK$6,342/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$208,448/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,106
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$112,032
−HK$2,969/mo
Today · 4.125%
HK$115,001
baseline
▲ 0.50% · 4.625%
HK$121,063
+HK$6,062/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$230,002/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,095
−HK$7,907/mo
▼ 0.25% · 3.875%
HK$130,017
−HK$3,985/mo
Today · 4.125%
HK$134,002
baseline
▲ 0.50% · 4.625%
HK$142,156
+HK$8,154/mo
Deposit HK$3.07M · loan HK$27.65M · min. income ≈ HK$268,004/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,279
−HK$7,579/mo
▼ 0.25% · 3.875%
HK$144,042
−HK$3,816/mo
Today · 4.125%
HK$147,858
baseline
▲ 0.50% · 4.625%
HK$155,652
+HK$7,794/mo
Deposit HK$3.07M · loan HK$27.65M · min. income ≈ HK$295,716/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,662 · Scale 2, in force from 26 Feb 2026)