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$70,026
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,204
−HK$2,213/mo
Today · 4.125%
HK$74,417
baseline
▲ 0.50% · 4.625%
HK$78,945
+HK$4,528/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,834/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,903
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,993
−HK$2,119/mo
Today · 4.125%
HK$82,112
baseline
▲ 0.50% · 4.625%
HK$86,440
+HK$4,328/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,224/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,031
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,645
−HK$2,656/mo
Today · 4.125%
HK$89,301
baseline
▲ 0.50% · 4.625%
HK$94,734
+HK$5,433/mo
Deposit HK$12.28M · loan HK$18.43M · min. income ≈ HK$178,602/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,484
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$95,991
−HK$2,544/mo
Today · 4.125%
HK$98,535
baseline
▲ 0.50% · 4.625%
HK$103,728
+HK$5,193/mo
Deposit HK$12.28M · loan HK$18.43M · min. income ≈ HK$197,070/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,036
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,086
−HK$3,098/mo
Today · 4.125%
HK$104,184
baseline
▲ 0.50% · 4.625%
HK$110,524
+HK$6,340/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$208,368/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,065
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,990
−HK$2,967/mo
Today · 4.125%
HK$114,957
baseline
▲ 0.50% · 4.625%
HK$121,017
+HK$6,060/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$229,914/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,047
−HK$7,904/mo
▼ 0.25% · 3.875%
HK$129,968
−HK$3,983/mo
Today · 4.125%
HK$133,951
baseline
▲ 0.50% · 4.625%
HK$142,102
+HK$8,151/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$267,902/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,226
−HK$7,576/mo
▼ 0.25% · 3.875%
HK$143,987
−HK$3,815/mo
Today · 4.125%
HK$147,802
baseline
▲ 0.50% · 4.625%
HK$155,593
+HK$7,791/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$295,604/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,164 · Scale 2, in force from 26 Feb 2026)