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$70,231
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,416
−HK$2,219/mo
Today · 4.125%
HK$74,635
baseline
▲ 0.50% · 4.625%
HK$79,176
+HK$4,541/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,270/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,308,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,131
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,227
−HK$2,125/mo
Today · 4.125%
HK$82,352
baseline
▲ 0.50% · 4.625%
HK$86,693
+HK$4,341/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,704/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,308,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,277
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,899
−HK$2,663/mo
Today · 4.125%
HK$89,562
baseline
▲ 0.50% · 4.625%
HK$95,012
+HK$5,450/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$179,124/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,308,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,757
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,272
−HK$2,551/mo
Today · 4.125%
HK$98,823
baseline
▲ 0.50% · 4.625%
HK$104,032
+HK$5,209/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$197,646/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,308,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,323
−HK$6,166/mo
▼ 0.25% · 3.875%
HK$101,382
−HK$3,107/mo
Today · 4.125%
HK$104,489
baseline
▲ 0.50% · 4.625%
HK$110,847
+HK$6,358/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$208,978/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,384
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,317
−HK$2,976/mo
Today · 4.125%
HK$115,293
baseline
▲ 0.50% · 4.625%
HK$121,371
+HK$6,078/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$230,586/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,416
−HK$7,927/mo
▼ 0.25% · 3.875%
HK$130,348
−HK$3,995/mo
Today · 4.125%
HK$134,343
baseline
▲ 0.50% · 4.625%
HK$142,518
+HK$8,175/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$268,686/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,636
−HK$7,598/mo
▼ 0.25% · 3.875%
HK$144,408
−HK$3,826/mo
Today · 4.125%
HK$148,234
baseline
▲ 0.50% · 4.625%
HK$156,048
+HK$7,814/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$296,468/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,982 · Scale 2, in force from 26 Feb 2026)