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$70,007
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,185
−HK$2,212/mo
Today · 4.125%
HK$74,397
baseline
▲ 0.50% · 4.625%
HK$78,924
+HK$4,527/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,794/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,304,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,882
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,971
−HK$2,119/mo
Today · 4.125%
HK$82,090
baseline
▲ 0.50% · 4.625%
HK$86,417
+HK$4,327/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,180/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,304,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,009
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,622
−HK$2,655/mo
Today · 4.125%
HK$89,277
baseline
▲ 0.50% · 4.625%
HK$94,709
+HK$5,432/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$178,554/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,304,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,459
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,965
−HK$2,543/mo
Today · 4.125%
HK$98,508
baseline
▲ 0.50% · 4.625%
HK$103,701
+HK$5,193/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$197,016/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,304,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,010
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$101,059
−HK$3,097/mo
Today · 4.125%
HK$104,156
baseline
▲ 0.50% · 4.625%
HK$110,494
+HK$6,338/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$208,312/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,304,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,035
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,960
−HK$2,966/mo
Today · 4.125%
HK$114,926
baseline
▲ 0.50% · 4.625%
HK$120,984
+HK$6,058/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$229,852/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,304,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,013
−HK$7,902/mo
▼ 0.25% · 3.875%
HK$129,933
−HK$3,982/mo
Today · 4.125%
HK$133,915
baseline
▲ 0.50% · 4.625%
HK$142,064
+HK$8,149/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$267,830/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,188
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$143,948
−HK$3,814/mo
Today · 4.125%
HK$147,762
baseline
▲ 0.50% · 4.625%
HK$155,551
+HK$7,789/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$295,524/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,813 · Scale 2, in force from 26 Feb 2026)