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$70,204
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,388
−HK$2,219/mo
Today · 4.125%
HK$74,607
baseline
▲ 0.50% · 4.625%
HK$79,146
+HK$4,539/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,214/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,102
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,196
−HK$2,125/mo
Today · 4.125%
HK$82,321
baseline
▲ 0.50% · 4.625%
HK$86,661
+HK$4,340/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,642/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,245
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,866
−HK$2,662/mo
Today · 4.125%
HK$89,528
baseline
▲ 0.50% · 4.625%
HK$94,976
+HK$5,448/mo
Deposit HK$12.32M · loan HK$18.47M · min. income ≈ HK$179,056/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,722
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,236
−HK$2,550/mo
Today · 4.125%
HK$98,786
baseline
▲ 0.50% · 4.625%
HK$103,993
+HK$5,207/mo
Deposit HK$12.32M · loan HK$18.47M · min. income ≈ HK$197,572/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,286
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$101,343
−HK$3,107/mo
Today · 4.125%
HK$104,450
baseline
▲ 0.50% · 4.625%
HK$110,805
+HK$6,355/mo
Deposit HK$9.24M · loan HK$21.55M · min. income ≈ HK$208,900/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,342
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,275
−HK$2,975/mo
Today · 4.125%
HK$115,250
baseline
▲ 0.50% · 4.625%
HK$121,325
+HK$6,075/mo
Deposit HK$9.24M · loan HK$21.55M · min. income ≈ HK$230,500/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,368
−HK$7,924/mo
▼ 0.25% · 3.875%
HK$130,299
−HK$3,993/mo
Today · 4.125%
HK$134,292
baseline
▲ 0.50% · 4.625%
HK$142,464
+HK$8,172/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$268,584/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,583
−HK$7,595/mo
▼ 0.25% · 3.875%
HK$144,353
−HK$3,825/mo
Today · 4.125%
HK$148,178
baseline
▲ 0.50% · 4.625%
HK$155,989
+HK$7,811/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$296,356/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,488 · Scale 2, in force from 26 Feb 2026)