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$70,416
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,606
−HK$2,225/mo
Today · 4.125%
HK$74,831
baseline
▲ 0.50% · 4.625%
HK$79,385
+HK$4,554/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,662/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,337
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,438
−HK$2,131/mo
Today · 4.125%
HK$82,569
baseline
▲ 0.50% · 4.625%
HK$86,921
+HK$4,352/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,138/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,499
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,127
−HK$2,671/mo
Today · 4.125%
HK$89,798
baseline
▲ 0.50% · 4.625%
HK$95,262
+HK$5,464/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$179,596/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,004
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,525
−HK$2,558/mo
Today · 4.125%
HK$99,083
baseline
▲ 0.50% · 4.625%
HK$104,306
+HK$5,223/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$198,166/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,582
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,648
−HK$3,116/mo
Today · 4.125%
HK$104,764
baseline
▲ 0.50% · 4.625%
HK$111,139
+HK$6,375/mo
Deposit HK$9.26M · loan HK$21.62M · min. income ≈ HK$209,528/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,671
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$112,613
−HK$2,984/mo
Today · 4.125%
HK$115,597
baseline
▲ 0.50% · 4.625%
HK$121,690
+HK$6,093/mo
Deposit HK$9.26M · loan HK$21.62M · min. income ≈ HK$231,194/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,748
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$130,691
−HK$4,006/mo
Today · 4.125%
HK$134,697
baseline
▲ 0.50% · 4.625%
HK$142,892
+HK$8,195/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$269,394/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,006
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$144,788
−HK$3,836/mo
Today · 4.125%
HK$148,624
baseline
▲ 0.50% · 4.625%
HK$156,459
+HK$7,835/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$297,248/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,427 · Scale 2, in force from 26 Feb 2026)