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$70,084
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,264
−HK$2,215/mo
Today · 4.125%
HK$74,479
baseline
▲ 0.50% · 4.625%
HK$79,011
+HK$4,532/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$148,958/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,968
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,059
−HK$2,121/mo
Today · 4.125%
HK$82,180
baseline
▲ 0.50% · 4.625%
HK$86,512
+HK$4,332/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,360/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,101
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,717
−HK$2,658/mo
Today · 4.125%
HK$89,375
baseline
▲ 0.50% · 4.625%
HK$94,813
+HK$5,438/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$178,750/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,561
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,071
−HK$2,545/mo
Today · 4.125%
HK$98,616
baseline
▲ 0.50% · 4.625%
HK$103,814
+HK$5,198/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$197,232/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,118
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,170
−HK$3,100/mo
Today · 4.125%
HK$104,270
baseline
▲ 0.50% · 4.625%
HK$110,615
+HK$6,345/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$208,540/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,155
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,082
−HK$2,970/mo
Today · 4.125%
HK$115,052
baseline
▲ 0.50% · 4.625%
HK$121,117
+HK$6,065/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$230,104/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,151
−HK$7,911/mo
▼ 0.25% · 3.875%
HK$130,075
−HK$3,987/mo
Today · 4.125%
HK$134,062
baseline
▲ 0.50% · 4.625%
HK$142,219
+HK$8,157/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$268,124/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,342
−HK$7,582/mo
▼ 0.25% · 3.875%
HK$144,106
−HK$3,818/mo
Today · 4.125%
HK$147,924
baseline
▲ 0.50% · 4.625%
HK$155,721
+HK$7,797/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$295,848/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,243 · Scale 2, in force from 26 Feb 2026)