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$70,383
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,573
−HK$2,224/mo
Today · 4.125%
HK$74,797
baseline
▲ 0.50% · 4.625%
HK$79,348
+HK$4,551/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,594/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,311,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,301
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,401
−HK$2,130/mo
Today · 4.125%
HK$82,531
baseline
▲ 0.50% · 4.625%
HK$86,881
+HK$4,350/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$165,062/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,311,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,460
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,087
−HK$2,669/mo
Today · 4.125%
HK$89,756
baseline
▲ 0.50% · 4.625%
HK$95,218
+HK$5,462/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$179,512/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,961
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$96,481
−HK$2,556/mo
Today · 4.125%
HK$99,037
baseline
▲ 0.50% · 4.625%
HK$104,258
+HK$5,221/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$198,074/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,537
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,602
−HK$3,114/mo
Today · 4.125%
HK$104,716
baseline
▲ 0.50% · 4.625%
HK$111,087
+HK$6,371/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$209,432/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,621
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$112,561
−HK$2,982/mo
Today · 4.125%
HK$115,543
baseline
▲ 0.50% · 4.625%
HK$121,634
+HK$6,091/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$231,086/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,690
−HK$7,944/mo
▼ 0.25% · 3.875%
HK$130,631
−HK$4,003/mo
Today · 4.125%
HK$134,634
baseline
▲ 0.50% · 4.625%
HK$142,827
+HK$8,193/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$269,268/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,941
−HK$7,615/mo
▼ 0.25% · 3.875%
HK$144,721
−HK$3,835/mo
Today · 4.125%
HK$148,556
baseline
▲ 0.50% · 4.625%
HK$156,386
+HK$7,830/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$297,112/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,821 · Scale 2, in force from 26 Feb 2026)