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$69,624
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,789
−HK$2,201/mo
Today · 4.125%
HK$73,990
baseline
▲ 0.50% · 4.625%
HK$78,492
+HK$4,502/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$147,980/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,456
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,533
−HK$2,107/mo
Today · 4.125%
HK$81,640
baseline
▲ 0.50% · 4.625%
HK$85,944
+HK$4,304/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,280/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,549
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,147
−HK$2,641/mo
Today · 4.125%
HK$88,788
baseline
▲ 0.50% · 4.625%
HK$94,190
+HK$5,402/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$177,576/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,947
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,440
−HK$2,529/mo
Today · 4.125%
HK$97,969
baseline
▲ 0.50% · 4.625%
HK$103,133
+HK$5,164/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$195,938/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,473
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,505
−HK$3,081/mo
Today · 4.125%
HK$103,586
baseline
▲ 0.50% · 4.625%
HK$109,889
+HK$6,303/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$207,172/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,438
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,346
−HK$2,951/mo
Today · 4.125%
HK$114,297
baseline
▲ 0.50% · 4.625%
HK$120,321
+HK$6,024/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$228,594/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,323
−HK$7,859/mo
▼ 0.25% · 3.875%
HK$129,221
−HK$3,961/mo
Today · 4.125%
HK$133,182
baseline
▲ 0.50% · 4.625%
HK$141,285
+HK$8,103/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$266,364/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,420
−HK$7,533/mo
▼ 0.25% · 3.875%
HK$143,160
−HK$3,793/mo
Today · 4.125%
HK$146,953
baseline
▲ 0.50% · 4.625%
HK$154,699
+HK$7,746/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$293,906/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,666 · Scale 2, in force from 26 Feb 2026)