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$70,108
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,289
−HK$2,216/mo
Today · 4.125%
HK$74,505
baseline
▲ 0.50% · 4.625%
HK$79,038
+HK$4,533/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$149,010/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,995
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,086
−HK$2,123/mo
Today · 4.125%
HK$82,209
baseline
▲ 0.50% · 4.625%
HK$86,542
+HK$4,333/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,418/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,130
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,747
−HK$2,659/mo
Today · 4.125%
HK$89,406
baseline
▲ 0.50% · 4.625%
HK$94,846
+HK$5,440/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,812/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,594
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,104
−HK$2,546/mo
Today · 4.125%
HK$98,650
baseline
▲ 0.50% · 4.625%
HK$103,850
+HK$5,200/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,300/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,152
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,205
−HK$3,101/mo
Today · 4.125%
HK$104,306
baseline
▲ 0.50% · 4.625%
HK$110,653
+HK$6,347/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$208,612/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,193
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,121
−HK$2,971/mo
Today · 4.125%
HK$115,092
baseline
▲ 0.50% · 4.625%
HK$121,159
+HK$6,067/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$230,184/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,195
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$130,120
−HK$3,988/mo
Today · 4.125%
HK$134,108
baseline
▲ 0.50% · 4.625%
HK$142,268
+HK$8,160/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$268,216/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,390
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$144,156
−HK$3,819/mo
Today · 4.125%
HK$147,975
baseline
▲ 0.50% · 4.625%
HK$155,775
+HK$7,800/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$295,950/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,695 · Scale 2, in force from 26 Feb 2026)