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$70,515
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,709
−HK$2,228/mo
Today · 4.125%
HK$74,937
baseline
▲ 0.50% · 4.625%
HK$79,497
+HK$4,560/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$149,874/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,448
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,552
−HK$2,134/mo
Today · 4.125%
HK$82,686
baseline
▲ 0.50% · 4.625%
HK$87,045
+HK$4,359/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$165,372/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,619
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,251
−HK$2,674/mo
Today · 4.125%
HK$89,925
baseline
▲ 0.50% · 4.625%
HK$95,397
+HK$5,472/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$179,850/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,137
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,662
−HK$2,561/mo
Today · 4.125%
HK$99,223
baseline
▲ 0.50% · 4.625%
HK$104,453
+HK$5,230/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$198,446/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,722
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,792
−HK$3,120/mo
Today · 4.125%
HK$104,912
baseline
▲ 0.50% · 4.625%
HK$111,296
+HK$6,384/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$209,824/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,827
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,772
−HK$2,988/mo
Today · 4.125%
HK$115,760
baseline
▲ 0.50% · 4.625%
HK$121,862
+HK$6,102/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$231,520/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,928
−HK$7,959/mo
▼ 0.25% · 3.875%
HK$130,876
−HK$4,011/mo
Today · 4.125%
HK$134,887
baseline
▲ 0.50% · 4.625%
HK$143,095
+HK$8,208/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$269,774/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,206
−HK$7,629/mo
▼ 0.25% · 3.875%
HK$144,993
−HK$3,842/mo
Today · 4.125%
HK$148,835
baseline
▲ 0.50% · 4.625%
HK$156,680
+HK$7,845/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$297,670/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,285 · Scale 2, in force from 26 Feb 2026)