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$70,569
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,764
−HK$2,231/mo
Today · 4.125%
HK$74,995
baseline
▲ 0.50% · 4.625%
HK$79,558
+HK$4,563/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,990/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,508
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,613
−HK$2,136/mo
Today · 4.125%
HK$82,749
baseline
▲ 0.50% · 4.625%
HK$87,111
+HK$4,362/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,498/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,683
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$87,317
−HK$2,677/mo
Today · 4.125%
HK$89,994
baseline
▲ 0.50% · 4.625%
HK$95,469
+HK$5,475/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$179,988/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,315,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,209
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,736
−HK$2,563/mo
Today · 4.125%
HK$99,299
baseline
▲ 0.50% · 4.625%
HK$104,533
+HK$5,234/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$198,598/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,315,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,797
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,870
−HK$3,122/mo
Today · 4.125%
HK$104,992
baseline
▲ 0.50% · 4.625%
HK$111,381
+HK$6,389/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$209,984/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,911
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,858
−HK$2,991/mo
Today · 4.125%
HK$115,849
baseline
▲ 0.50% · 4.625%
HK$121,955
+HK$6,106/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$231,698/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,025
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$130,976
−HK$4,014/mo
Today · 4.125%
HK$134,990
baseline
▲ 0.50% · 4.625%
HK$143,204
+HK$8,214/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$269,980/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,314
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$145,104
−HK$3,844/mo
Today · 4.125%
HK$148,948
baseline
▲ 0.50% · 4.625%
HK$156,800
+HK$7,852/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$297,896/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,289 · Scale 2, in force from 26 Feb 2026)