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$70,390
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,580
−HK$2,224/mo
Today · 4.125%
HK$74,804
baseline
▲ 0.50% · 4.625%
HK$79,356
+HK$4,552/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,608/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,311,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,308
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,409
−HK$2,130/mo
Today · 4.125%
HK$82,539
baseline
▲ 0.50% · 4.625%
HK$86,890
+HK$4,351/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$165,078/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,311,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,468
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,096
−HK$2,669/mo
Today · 4.125%
HK$89,765
baseline
▲ 0.50% · 4.625%
HK$95,227
+HK$5,462/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$179,530/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,970
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,490
−HK$2,557/mo
Today · 4.125%
HK$99,047
baseline
▲ 0.50% · 4.625%
HK$104,268
+HK$5,221/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$198,094/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,546
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,612
−HK$3,114/mo
Today · 4.125%
HK$104,726
baseline
▲ 0.50% · 4.625%
HK$111,098
+HK$6,372/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$209,452/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,632
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$112,572
−HK$2,983/mo
Today · 4.125%
HK$115,555
baseline
▲ 0.50% · 4.625%
HK$121,646
+HK$6,091/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$231,110/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,702
−HK$7,946/mo
▼ 0.25% · 3.875%
HK$130,644
−HK$4,004/mo
Today · 4.125%
HK$134,648
baseline
▲ 0.50% · 4.625%
HK$142,841
+HK$8,193/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$269,296/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,955
−HK$7,616/mo
▼ 0.25% · 3.875%
HK$144,735
−HK$3,836/mo
Today · 4.125%
HK$148,571
baseline
▲ 0.50% · 4.625%
HK$156,402
+HK$7,831/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$297,142/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,951 · Scale 2, in force from 26 Feb 2026)