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$70,202
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,385
−HK$2,219/mo
Today · 4.125%
HK$74,604
baseline
▲ 0.50% · 4.625%
HK$79,143
+HK$4,539/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,208/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,099
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,193
−HK$2,125/mo
Today · 4.125%
HK$82,318
baseline
▲ 0.50% · 4.625%
HK$86,657
+HK$4,339/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,636/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,242
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,862
−HK$2,663/mo
Today · 4.125%
HK$89,525
baseline
▲ 0.50% · 4.625%
HK$94,972
+HK$5,447/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$179,050/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,718
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,232
−HK$2,550/mo
Today · 4.125%
HK$98,782
baseline
▲ 0.50% · 4.625%
HK$103,988
+HK$5,206/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$197,564/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,282
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,339
−HK$3,106/mo
Today · 4.125%
HK$104,445
baseline
▲ 0.50% · 4.625%
HK$110,801
+HK$6,356/mo
Deposit HK$9.24M · loan HK$21.55M · min. income ≈ HK$208,890/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,338
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$112,270
−HK$2,975/mo
Today · 4.125%
HK$115,245
baseline
▲ 0.50% · 4.625%
HK$121,320
+HK$6,075/mo
Deposit HK$9.24M · loan HK$21.55M · min. income ≈ HK$230,490/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,363
−HK$7,924/mo
▼ 0.25% · 3.875%
HK$130,293
−HK$3,994/mo
Today · 4.125%
HK$134,287
baseline
▲ 0.50% · 4.625%
HK$142,458
+HK$8,171/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$268,574/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,577
−HK$7,595/mo
▼ 0.25% · 3.875%
HK$144,348
−HK$3,824/mo
Today · 4.125%
HK$148,172
baseline
▲ 0.50% · 4.625%
HK$155,983
+HK$7,811/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$296,344/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,435 · Scale 2, in force from 26 Feb 2026)