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$70,127
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,309
−HK$2,216/mo
Today · 4.125%
HK$74,525
baseline
▲ 0.50% · 4.625%
HK$79,060
+HK$4,535/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,050/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,307,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,016
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,108
−HK$2,123/mo
Today · 4.125%
HK$82,231
baseline
▲ 0.50% · 4.625%
HK$86,566
+HK$4,335/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,462/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,307,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,153
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,771
−HK$2,659/mo
Today · 4.125%
HK$89,430
baseline
▲ 0.50% · 4.625%
HK$94,872
+HK$5,442/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,860/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,619
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,130
−HK$2,547/mo
Today · 4.125%
HK$98,677
baseline
▲ 0.50% · 4.625%
HK$103,879
+HK$5,202/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,354/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,178
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$101,232
−HK$3,103/mo
Today · 4.125%
HK$104,335
baseline
▲ 0.50% · 4.625%
HK$110,684
+HK$6,349/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$208,670/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,307,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,222
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$112,152
−HK$2,971/mo
Today · 4.125%
HK$115,123
baseline
▲ 0.50% · 4.625%
HK$121,192
+HK$6,069/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$230,246/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,307,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,229
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$130,156
−HK$3,989/mo
Today · 4.125%
HK$134,145
baseline
▲ 0.50% · 4.625%
HK$142,307
+HK$8,162/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$268,290/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,429
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$144,195
−HK$3,821/mo
Today · 4.125%
HK$148,016
baseline
▲ 0.50% · 4.625%
HK$155,818
+HK$7,802/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$296,032/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,053 · Scale 2, in force from 26 Feb 2026)