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$70,371
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,560
−HK$2,224/mo
Today · 4.125%
HK$74,784
baseline
▲ 0.50% · 4.625%
HK$79,335
+HK$4,551/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,568/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,288
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,387
−HK$2,130/mo
Today · 4.125%
HK$82,517
baseline
▲ 0.50% · 4.625%
HK$86,867
+HK$4,350/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$165,034/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,446
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$87,072
−HK$2,669/mo
Today · 4.125%
HK$89,741
baseline
▲ 0.50% · 4.625%
HK$95,202
+HK$5,461/mo
Deposit HK$12.34M · loan HK$18.52M · min. income ≈ HK$179,482/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,945
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$96,465
−HK$2,556/mo
Today · 4.125%
HK$99,021
baseline
▲ 0.50% · 4.625%
HK$104,240
+HK$5,219/mo
Deposit HK$12.34M · loan HK$18.52M · min. income ≈ HK$198,042/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,520
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$101,585
−HK$3,113/mo
Today · 4.125%
HK$104,698
baseline
▲ 0.50% · 4.625%
HK$111,069
+HK$6,371/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$209,396/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,603
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,542
−HK$2,982/mo
Today · 4.125%
HK$115,524
baseline
▲ 0.50% · 4.625%
HK$121,613
+HK$6,089/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$231,048/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,669
−HK$7,943/mo
▼ 0.25% · 3.875%
HK$130,609
−HK$4,003/mo
Today · 4.125%
HK$134,612
baseline
▲ 0.50% · 4.625%
HK$142,803
+HK$8,191/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$269,224/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,918
−HK$7,613/mo
▼ 0.25% · 3.875%
HK$144,697
−HK$3,834/mo
Today · 4.125%
HK$148,531
baseline
▲ 0.50% · 4.625%
HK$156,360
+HK$7,829/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$297,062/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,601 · Scale 2, in force from 26 Feb 2026)