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$70,117
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,298
−HK$2,216/mo
Today · 4.125%
HK$74,514
baseline
▲ 0.50% · 4.625%
HK$79,048
+HK$4,534/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$149,028/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,005
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,097
−HK$2,122/mo
Today · 4.125%
HK$82,219
baseline
▲ 0.50% · 4.625%
HK$86,553
+HK$4,334/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,438/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,141
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,758
−HK$2,659/mo
Today · 4.125%
HK$89,417
baseline
▲ 0.50% · 4.625%
HK$94,858
+HK$5,441/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,834/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,306,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,606
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,116
−HK$2,547/mo
Today · 4.125%
HK$98,663
baseline
▲ 0.50% · 4.625%
HK$103,864
+HK$5,201/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,326/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,306,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,164
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$101,218
−HK$3,102/mo
Today · 4.125%
HK$104,320
baseline
▲ 0.50% · 4.625%
HK$110,668
+HK$6,348/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$208,640/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,207
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,136
−HK$2,971/mo
Today · 4.125%
HK$115,107
baseline
▲ 0.50% · 4.625%
HK$121,174
+HK$6,067/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$230,214/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,211
−HK$7,915/mo
▼ 0.25% · 3.875%
HK$130,137
−HK$3,989/mo
Today · 4.125%
HK$134,126
baseline
▲ 0.50% · 4.625%
HK$142,287
+HK$8,161/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$268,252/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,409
−HK$7,586/mo
▼ 0.25% · 3.875%
HK$144,175
−HK$3,820/mo
Today · 4.125%
HK$147,995
baseline
▲ 0.50% · 4.625%
HK$155,796
+HK$7,801/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$295,990/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,866 · Scale 2, in force from 26 Feb 2026)