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$70,074
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,254
−HK$2,215/mo
Today · 4.125%
HK$74,469
baseline
▲ 0.50% · 4.625%
HK$79,000
+HK$4,531/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$148,938/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,957
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,048
−HK$2,121/mo
Today · 4.125%
HK$82,169
baseline
▲ 0.50% · 4.625%
HK$86,500
+HK$4,331/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,338/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,089
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,705
−HK$2,657/mo
Today · 4.125%
HK$89,362
baseline
▲ 0.50% · 4.625%
HK$94,800
+HK$5,438/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$178,724/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,548
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$96,057
−HK$2,545/mo
Today · 4.125%
HK$98,602
baseline
▲ 0.50% · 4.625%
HK$103,800
+HK$5,198/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$197,204/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,104
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,156
−HK$3,100/mo
Today · 4.125%
HK$104,256
baseline
▲ 0.50% · 4.625%
HK$110,600
+HK$6,344/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$208,512/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,140
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$112,067
−HK$2,969/mo
Today · 4.125%
HK$115,036
baseline
▲ 0.50% · 4.625%
HK$121,100
+HK$6,064/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$230,072/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,134
−HK$7,909/mo
▼ 0.25% · 3.875%
HK$130,057
−HK$3,986/mo
Today · 4.125%
HK$134,043
baseline
▲ 0.50% · 4.625%
HK$142,200
+HK$8,157/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$268,086/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,322
−HK$7,582/mo
▼ 0.25% · 3.875%
HK$144,086
−HK$3,818/mo
Today · 4.125%
HK$147,904
baseline
▲ 0.50% · 4.625%
HK$155,700
+HK$7,796/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$295,808/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,063 · Scale 2, in force from 26 Feb 2026)