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$70,252
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,437
−HK$2,220/mo
Today · 4.125%
HK$74,657
baseline
▲ 0.50% · 4.625%
HK$79,200
+HK$4,543/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,314/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,154
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,250
−HK$2,127/mo
Today · 4.125%
HK$82,377
baseline
▲ 0.50% · 4.625%
HK$86,719
+HK$4,342/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,754/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,302
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,924
−HK$2,664/mo
Today · 4.125%
HK$89,588
baseline
▲ 0.50% · 4.625%
HK$95,040
+HK$5,452/mo
Deposit HK$12.32M · loan HK$18.49M · min. income ≈ HK$179,176/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,785
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,300
−HK$2,552/mo
Today · 4.125%
HK$98,852
baseline
▲ 0.50% · 4.625%
HK$104,063
+HK$5,211/mo
Deposit HK$12.32M · loan HK$18.49M · min. income ≈ HK$197,704/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,352
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$101,412
−HK$3,108/mo
Today · 4.125%
HK$104,520
baseline
▲ 0.50% · 4.625%
HK$110,880
+HK$6,360/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$209,040/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,416
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$112,350
−HK$2,977/mo
Today · 4.125%
HK$115,327
baseline
▲ 0.50% · 4.625%
HK$121,406
+HK$6,079/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$230,654/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,453
−HK$7,930/mo
▼ 0.25% · 3.875%
HK$130,386
−HK$3,997/mo
Today · 4.125%
HK$134,383
baseline
▲ 0.50% · 4.625%
HK$142,560
+HK$8,177/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$268,766/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,678
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$144,451
−HK$3,827/mo
Today · 4.125%
HK$148,278
baseline
▲ 0.50% · 4.625%
HK$156,094
+HK$7,816/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$296,556/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,369 · Scale 2, in force from 26 Feb 2026)