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$70,346
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,534
−HK$2,223/mo
Today · 4.125%
HK$74,757
baseline
▲ 0.50% · 4.625%
HK$79,306
+HK$4,549/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,514/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,259
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,358
−HK$2,129/mo
Today · 4.125%
HK$82,487
baseline
▲ 0.50% · 4.625%
HK$86,835
+HK$4,348/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,974/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,415
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,041
−HK$2,668/mo
Today · 4.125%
HK$89,709
baseline
▲ 0.50% · 4.625%
HK$95,167
+HK$5,458/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,418/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,911
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,429
−HK$2,556/mo
Today · 4.125%
HK$98,985
baseline
▲ 0.50% · 4.625%
HK$104,202
+HK$5,217/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$197,970/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,484
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,548
−HK$3,112/mo
Today · 4.125%
HK$104,660
baseline
▲ 0.50% · 4.625%
HK$111,028
+HK$6,368/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,320/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,563
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,501
−HK$2,981/mo
Today · 4.125%
HK$115,482
baseline
▲ 0.50% · 4.625%
HK$121,569
+HK$6,087/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,964/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,622
−HK$7,941/mo
▼ 0.25% · 3.875%
HK$130,561
−HK$4,002/mo
Today · 4.125%
HK$134,563
baseline
▲ 0.50% · 4.625%
HK$142,751
+HK$8,188/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$269,126/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,866
−HK$7,611/mo
▼ 0.25% · 3.875%
HK$144,644
−HK$3,833/mo
Today · 4.125%
HK$148,477
baseline
▲ 0.50% · 4.625%
HK$156,303
+HK$7,826/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$296,954/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,124 · Scale 2, in force from 26 Feb 2026)