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$70,153
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,335
−HK$2,217/mo
Today · 4.125%
HK$74,552
baseline
▲ 0.50% · 4.625%
HK$79,088
+HK$4,536/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,104/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,044
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,137
−HK$2,124/mo
Today · 4.125%
HK$82,261
baseline
▲ 0.50% · 4.625%
HK$86,597
+HK$4,336/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,522/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,183
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,802
−HK$2,660/mo
Today · 4.125%
HK$89,462
baseline
▲ 0.50% · 4.625%
HK$94,906
+HK$5,444/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$178,924/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,653
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,165
−HK$2,548/mo
Today · 4.125%
HK$98,713
baseline
▲ 0.50% · 4.625%
HK$103,916
+HK$5,203/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$197,426/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,214
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$101,269
−HK$3,104/mo
Today · 4.125%
HK$104,373
baseline
▲ 0.50% · 4.625%
HK$110,724
+HK$6,351/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$208,746/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,262
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$112,192
−HK$2,973/mo
Today · 4.125%
HK$115,165
baseline
▲ 0.50% · 4.625%
HK$121,236
+HK$6,071/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$230,330/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,275
−HK$7,919/mo
▼ 0.25% · 3.875%
HK$130,203
−HK$3,991/mo
Today · 4.125%
HK$134,194
baseline
▲ 0.50% · 4.625%
HK$142,359
+HK$8,165/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$268,388/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,480
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$144,247
−HK$3,822/mo
Today · 4.125%
HK$148,069
baseline
▲ 0.50% · 4.625%
HK$155,874
+HK$7,805/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$296,138/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,527 · Scale 2, in force from 26 Feb 2026)