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$70,247
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,432
−HK$2,220/mo
Today · 4.125%
HK$74,652
baseline
▲ 0.50% · 4.625%
HK$79,194
+HK$4,542/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,304/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,149
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,245
−HK$2,126/mo
Today · 4.125%
HK$82,371
baseline
▲ 0.50% · 4.625%
HK$86,713
+HK$4,342/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,742/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,296
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,918
−HK$2,664/mo
Today · 4.125%
HK$89,582
baseline
▲ 0.50% · 4.625%
HK$95,033
+HK$5,451/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$179,164/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,778
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,293
−HK$2,552/mo
Today · 4.125%
HK$98,845
baseline
▲ 0.50% · 4.625%
HK$104,055
+HK$5,210/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$197,690/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,345
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$101,404
−HK$3,108/mo
Today · 4.125%
HK$104,512
baseline
▲ 0.50% · 4.625%
HK$110,872
+HK$6,360/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$209,024/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,408
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$112,342
−HK$2,977/mo
Today · 4.125%
HK$115,319
baseline
▲ 0.50% · 4.625%
HK$121,398
+HK$6,079/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$230,638/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,444
−HK$7,929/mo
▼ 0.25% · 3.875%
HK$130,377
−HK$3,996/mo
Today · 4.125%
HK$134,373
baseline
▲ 0.50% · 4.625%
HK$142,549
+HK$8,176/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$268,746/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,668
−HK$7,599/mo
▼ 0.25% · 3.875%
HK$144,440
−HK$3,827/mo
Today · 4.125%
HK$148,267
baseline
▲ 0.50% · 4.625%
HK$156,083
+HK$7,816/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$296,534/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,274 · Scale 2, in force from 26 Feb 2026)