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$70,400
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,590
−HK$2,225/mo
Today · 4.125%
HK$74,815
baseline
▲ 0.50% · 4.625%
HK$79,367
+HK$4,552/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,630/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,320
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,420
−HK$2,131/mo
Today · 4.125%
HK$82,551
baseline
▲ 0.50% · 4.625%
HK$86,902
+HK$4,351/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,102/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,480
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,108
−HK$2,670/mo
Today · 4.125%
HK$89,778
baseline
▲ 0.50% · 4.625%
HK$95,241
+HK$5,463/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$179,556/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,984
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,504
−HK$2,557/mo
Today · 4.125%
HK$99,061
baseline
▲ 0.50% · 4.625%
HK$104,283
+HK$5,222/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$198,122/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,561
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,626
−HK$3,115/mo
Today · 4.125%
HK$104,741
baseline
▲ 0.50% · 4.625%
HK$111,114
+HK$6,373/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$209,482/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,312,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,648
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,588
−HK$2,984/mo
Today · 4.125%
HK$115,572
baseline
▲ 0.50% · 4.625%
HK$121,663
+HK$6,091/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$231,144/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,312,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,721
−HK$7,946/mo
▼ 0.25% · 3.875%
HK$130,662
−HK$4,005/mo
Today · 4.125%
HK$134,667
baseline
▲ 0.50% · 4.625%
HK$142,861
+HK$8,194/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$269,334/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,975
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$144,756
−HK$3,836/mo
Today · 4.125%
HK$148,592
baseline
▲ 0.50% · 4.625%
HK$156,424
+HK$7,832/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$297,184/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,141 · Scale 2, in force from 26 Feb 2026)