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$70,265
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,451
−HK$2,221/mo
Today · 4.125%
HK$74,672
baseline
▲ 0.50% · 4.625%
HK$79,215
+HK$4,543/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,344/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,170
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,266
−HK$2,127/mo
Today · 4.125%
HK$82,393
baseline
▲ 0.50% · 4.625%
HK$86,736
+HK$4,343/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,786/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,319
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$86,941
−HK$2,665/mo
Today · 4.125%
HK$89,606
baseline
▲ 0.50% · 4.625%
HK$95,058
+HK$5,452/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$179,212/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,804
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,319
−HK$2,552/mo
Today · 4.125%
HK$98,871
baseline
▲ 0.50% · 4.625%
HK$104,083
+HK$5,212/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$197,742/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,372
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$101,432
−HK$3,108/mo
Today · 4.125%
HK$104,540
baseline
▲ 0.50% · 4.625%
HK$110,901
+HK$6,361/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$209,080/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,437
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$112,373
−HK$2,977/mo
Today · 4.125%
HK$115,350
baseline
▲ 0.50% · 4.625%
HK$121,430
+HK$6,080/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$230,700/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,478
−HK$7,931/mo
▼ 0.25% · 3.875%
HK$130,412
−HK$3,997/mo
Today · 4.125%
HK$134,409
baseline
▲ 0.50% · 4.625%
HK$142,588
+HK$8,179/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$268,818/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,705
−HK$7,602/mo
▼ 0.25% · 3.875%
HK$144,479
−HK$3,828/mo
Today · 4.125%
HK$148,307
baseline
▲ 0.50% · 4.625%
HK$156,125
+HK$7,818/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$296,614/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,626 · Scale 2, in force from 26 Feb 2026)