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$70,241
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,426
−HK$2,220/mo
Today · 4.125%
HK$74,646
baseline
▲ 0.50% · 4.625%
HK$79,188
+HK$4,542/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,292/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,143
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,239
−HK$2,126/mo
Today · 4.125%
HK$82,365
baseline
▲ 0.50% · 4.625%
HK$86,706
+HK$4,341/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,730/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,290
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,912
−HK$2,663/mo
Today · 4.125%
HK$89,575
baseline
▲ 0.50% · 4.625%
HK$95,026
+HK$5,451/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$179,150/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,771
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,286
−HK$2,552/mo
Today · 4.125%
HK$98,838
baseline
▲ 0.50% · 4.625%
HK$104,047
+HK$5,209/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$197,676/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,338
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$101,397
−HK$3,108/mo
Today · 4.125%
HK$104,505
baseline
▲ 0.50% · 4.625%
HK$110,863
+HK$6,358/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$209,010/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,400
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$112,334
−HK$2,977/mo
Today · 4.125%
HK$115,311
baseline
▲ 0.50% · 4.625%
HK$121,389
+HK$6,078/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$230,622/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,435
−HK$7,928/mo
▼ 0.25% · 3.875%
HK$130,367
−HK$3,996/mo
Today · 4.125%
HK$134,363
baseline
▲ 0.50% · 4.625%
HK$142,539
+HK$8,176/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$268,726/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,657
−HK$7,599/mo
▼ 0.25% · 3.875%
HK$144,429
−HK$3,827/mo
Today · 4.125%
HK$148,256
baseline
▲ 0.50% · 4.625%
HK$156,071
+HK$7,815/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$296,512/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,177 · Scale 2, in force from 26 Feb 2026)