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$69,793
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,964
−HK$2,206/mo
Today · 4.125%
HK$74,170
baseline
▲ 0.50% · 4.625%
HK$78,683
+HK$4,513/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,340/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,644
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,727
−HK$2,112/mo
Today · 4.125%
HK$81,839
baseline
▲ 0.50% · 4.625%
HK$86,153
+HK$4,314/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,678/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,752
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,357
−HK$2,647/mo
Today · 4.125%
HK$89,004
baseline
▲ 0.50% · 4.625%
HK$94,420
+HK$5,416/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$178,008/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,173
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,672
−HK$2,535/mo
Today · 4.125%
HK$98,207
baseline
▲ 0.50% · 4.625%
HK$103,384
+HK$5,177/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$196,414/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,711
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,750
−HK$3,088/mo
Today · 4.125%
HK$103,838
baseline
▲ 0.50% · 4.625%
HK$110,156
+HK$6,318/mo
Deposit HK$9.18M · loan HK$21.43M · min. income ≈ HK$207,676/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,702
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$111,618
−HK$2,957/mo
Today · 4.125%
HK$114,575
baseline
▲ 0.50% · 4.625%
HK$120,614
+HK$6,039/mo
Deposit HK$9.18M · loan HK$21.43M · min. income ≈ HK$229,150/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,628
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$129,536
−HK$3,970/mo
Today · 4.125%
HK$133,506
baseline
▲ 0.50% · 4.625%
HK$141,630
+HK$8,124/mo
Deposit HK$3.06M · loan HK$27.55M · min. income ≈ HK$267,012/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,760
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$143,508
−HK$3,803/mo
Today · 4.125%
HK$147,311
baseline
▲ 0.50% · 4.625%
HK$155,076
+HK$7,765/mo
Deposit HK$3.06M · loan HK$27.55M · min. income ≈ HK$294,622/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,827 · Scale 2, in force from 26 Feb 2026)