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$70,012
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,189
−HK$2,213/mo
Today · 4.125%
HK$74,402
baseline
▲ 0.50% · 4.625%
HK$78,929
+HK$4,527/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,804/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,304,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,887
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,976
−HK$2,119/mo
Today · 4.125%
HK$82,095
baseline
▲ 0.50% · 4.625%
HK$86,423
+HK$4,328/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,190/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,304,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,014
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,627
−HK$2,655/mo
Today · 4.125%
HK$89,282
baseline
▲ 0.50% · 4.625%
HK$94,715
+HK$5,433/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$178,564/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,304,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,465
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,971
−HK$2,543/mo
Today · 4.125%
HK$98,514
baseline
▲ 0.50% · 4.625%
HK$103,707
+HK$5,193/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$197,028/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,304,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,016
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,065
−HK$3,098/mo
Today · 4.125%
HK$104,163
baseline
▲ 0.50% · 4.625%
HK$110,501
+HK$6,338/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$208,326/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,304,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,042
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,966
−HK$2,967/mo
Today · 4.125%
HK$114,933
baseline
▲ 0.50% · 4.625%
HK$120,992
+HK$6,059/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$229,866/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,304,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,021
−HK$7,902/mo
▼ 0.25% · 3.875%
HK$129,941
−HK$3,982/mo
Today · 4.125%
HK$133,923
baseline
▲ 0.50% · 4.625%
HK$142,072
+HK$8,149/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$267,846/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,304,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,197
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$143,957
−HK$3,814/mo
Today · 4.125%
HK$147,771
baseline
▲ 0.50% · 4.625%
HK$155,561
+HK$7,790/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$295,542/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,304,894 · Scale 2, in force from 26 Feb 2026)