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$69,707
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,875
−HK$2,203/mo
Today · 4.125%
HK$74,078
baseline
▲ 0.50% · 4.625%
HK$78,586
+HK$4,508/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$148,156/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,548
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,628
−HK$2,110/mo
Today · 4.125%
HK$81,738
baseline
▲ 0.50% · 4.625%
HK$86,046
+HK$4,308/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,476/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,648
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,250
−HK$2,644/mo
Today · 4.125%
HK$88,894
baseline
▲ 0.50% · 4.625%
HK$94,303
+HK$5,409/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$177,788/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,058
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$95,554
−HK$2,531/mo
Today · 4.125%
HK$98,085
baseline
▲ 0.50% · 4.625%
HK$103,256
+HK$5,171/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$196,170/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,590
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,625
−HK$3,084/mo
Today · 4.125%
HK$103,709
baseline
▲ 0.50% · 4.625%
HK$110,020
+HK$6,311/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,418/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,567
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,479
−HK$2,954/mo
Today · 4.125%
HK$114,433
baseline
▲ 0.50% · 4.625%
HK$120,465
+HK$6,032/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,866/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,472
−HK$7,868/mo
▼ 0.25% · 3.875%
HK$129,375
−HK$3,965/mo
Today · 4.125%
HK$133,340
baseline
▲ 0.50% · 4.625%
HK$141,454
+HK$8,114/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$266,680/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,587
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$143,330
−HK$3,798/mo
Today · 4.125%
HK$147,128
baseline
▲ 0.50% · 4.625%
HK$154,883
+HK$7,755/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$294,256/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,214 · Scale 2, in force from 26 Feb 2026)