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$70,342
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,530
−HK$2,223/mo
Today · 4.125%
HK$74,753
baseline
▲ 0.50% · 4.625%
HK$79,301
+HK$4,548/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,506/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,254
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,353
−HK$2,129/mo
Today · 4.125%
HK$82,482
baseline
▲ 0.50% · 4.625%
HK$86,830
+HK$4,348/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,964/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,410
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,035
−HK$2,668/mo
Today · 4.125%
HK$89,703
baseline
▲ 0.50% · 4.625%
HK$95,161
+HK$5,458/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,406/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,905
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$96,424
−HK$2,554/mo
Today · 4.125%
HK$98,978
baseline
▲ 0.50% · 4.625%
HK$104,196
+HK$5,218/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$197,956/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,478
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,541
−HK$3,113/mo
Today · 4.125%
HK$104,654
baseline
▲ 0.50% · 4.625%
HK$111,022
+HK$6,368/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,308/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,556
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,494
−HK$2,981/mo
Today · 4.125%
HK$115,475
baseline
▲ 0.50% · 4.625%
HK$121,562
+HK$6,087/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,950/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,615
−HK$7,940/mo
▼ 0.25% · 3.875%
HK$130,553
−HK$4,002/mo
Today · 4.125%
HK$134,555
baseline
▲ 0.50% · 4.625%
HK$142,742
+HK$8,187/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$269,110/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,858
−HK$7,610/mo
▼ 0.25% · 3.875%
HK$144,635
−HK$3,833/mo
Today · 4.125%
HK$148,468
baseline
▲ 0.50% · 4.625%
HK$156,294
+HK$7,826/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$296,936/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,044 · Scale 2, in force from 26 Feb 2026)