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$70,358
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,547
−HK$2,223/mo
Today · 4.125%
HK$74,770
baseline
▲ 0.50% · 4.625%
HK$79,320
+HK$4,550/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,540/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,273
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,372
−HK$2,130/mo
Today · 4.125%
HK$82,502
baseline
▲ 0.50% · 4.625%
HK$86,851
+HK$4,349/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$165,004/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,430
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$87,056
−HK$2,669/mo
Today · 4.125%
HK$89,725
baseline
▲ 0.50% · 4.625%
HK$95,184
+HK$5,459/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,450/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,928
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,447
−HK$2,555/mo
Today · 4.125%
HK$99,002
baseline
▲ 0.50% · 4.625%
HK$104,221
+HK$5,219/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$198,004/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,502
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,566
−HK$3,113/mo
Today · 4.125%
HK$104,679
baseline
▲ 0.50% · 4.625%
HK$111,048
+HK$6,369/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$209,358/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,582
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,521
−HK$2,982/mo
Today · 4.125%
HK$115,503
baseline
▲ 0.50% · 4.625%
HK$121,591
+HK$6,088/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$231,006/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,645
−HK$7,942/mo
▼ 0.25% · 3.875%
HK$130,584
−HK$4,003/mo
Today · 4.125%
HK$134,587
baseline
▲ 0.50% · 4.625%
HK$142,776
+HK$8,189/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$269,174/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,891
−HK$7,612/mo
▼ 0.25% · 3.875%
HK$144,670
−HK$3,833/mo
Today · 4.125%
HK$148,503
baseline
▲ 0.50% · 4.625%
HK$156,331
+HK$7,828/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$297,006/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,357 · Scale 2, in force from 26 Feb 2026)