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$70,515
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,708
−HK$2,228/mo
Today · 4.125%
HK$74,936
baseline
▲ 0.50% · 4.625%
HK$79,496
+HK$4,560/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$149,872/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,447
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,551
−HK$2,134/mo
Today · 4.125%
HK$82,685
baseline
▲ 0.50% · 4.625%
HK$87,043
+HK$4,358/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$165,370/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,618
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,250
−HK$2,674/mo
Today · 4.125%
HK$89,924
baseline
▲ 0.50% · 4.625%
HK$95,395
+HK$5,471/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$179,848/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,136
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,661
−HK$2,561/mo
Today · 4.125%
HK$99,222
baseline
▲ 0.50% · 4.625%
HK$104,452
+HK$5,230/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$198,444/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,720
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$101,791
−HK$3,120/mo
Today · 4.125%
HK$104,911
baseline
▲ 0.50% · 4.625%
HK$111,295
+HK$6,384/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$209,822/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,825
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,771
−HK$2,988/mo
Today · 4.125%
HK$115,759
baseline
▲ 0.50% · 4.625%
HK$121,861
+HK$6,102/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$231,518/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,926
−HK$7,960/mo
▼ 0.25% · 3.875%
HK$130,874
−HK$4,012/mo
Today · 4.125%
HK$134,886
baseline
▲ 0.50% · 4.625%
HK$143,093
+HK$8,207/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$269,772/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,204
−HK$7,629/mo
▼ 0.25% · 3.875%
HK$144,991
−HK$3,842/mo
Today · 4.125%
HK$148,833
baseline
▲ 0.50% · 4.625%
HK$156,678
+HK$7,845/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$297,666/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,269 · Scale 2, in force from 26 Feb 2026)