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$70,509
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,703
−HK$2,228/mo
Today · 4.125%
HK$74,931
baseline
▲ 0.50% · 4.625%
HK$79,490
+HK$4,559/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$149,862/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,441
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,545
−HK$2,134/mo
Today · 4.125%
HK$82,679
baseline
▲ 0.50% · 4.625%
HK$87,037
+HK$4,358/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$165,358/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,611
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,243
−HK$2,674/mo
Today · 4.125%
HK$89,917
baseline
▲ 0.50% · 4.625%
HK$95,388
+HK$5,471/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$179,834/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,129
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,654
−HK$2,561/mo
Today · 4.125%
HK$99,215
baseline
▲ 0.50% · 4.625%
HK$104,445
+HK$5,230/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$198,430/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,713
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,784
−HK$3,119/mo
Today · 4.125%
HK$104,903
baseline
▲ 0.50% · 4.625%
HK$111,287
+HK$6,384/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$209,806/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,817
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,763
−HK$2,988/mo
Today · 4.125%
HK$115,751
baseline
▲ 0.50% · 4.625%
HK$121,852
+HK$6,101/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$231,502/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,917
−HK$7,959/mo
▼ 0.25% · 3.875%
HK$130,865
−HK$4,011/mo
Today · 4.125%
HK$134,876
baseline
▲ 0.50% · 4.625%
HK$143,083
+HK$8,207/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$269,752/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,194
−HK$7,628/mo
▼ 0.25% · 3.875%
HK$144,981
−HK$3,841/mo
Today · 4.125%
HK$148,822
baseline
▲ 0.50% · 4.625%
HK$156,667
+HK$7,845/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$297,644/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,173 · Scale 2, in force from 26 Feb 2026)