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$69,797
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,969
−HK$2,205/mo
Today · 4.125%
HK$74,174
baseline
▲ 0.50% · 4.625%
HK$78,688
+HK$4,514/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,348/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,300,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,649
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,731
−HK$2,113/mo
Today · 4.125%
HK$81,844
baseline
▲ 0.50% · 4.625%
HK$86,158
+HK$4,314/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,688/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,300,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,757
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,362
−HK$2,647/mo
Today · 4.125%
HK$89,009
baseline
▲ 0.50% · 4.625%
HK$94,425
+HK$5,416/mo
Deposit HK$12.24M · loan HK$18.37M · min. income ≈ HK$178,018/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,179
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,678
−HK$2,535/mo
Today · 4.125%
HK$98,213
baseline
▲ 0.50% · 4.625%
HK$103,390
+HK$5,177/mo
Deposit HK$12.24M · loan HK$18.37M · min. income ≈ HK$196,426/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,716
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$100,756
−HK$3,088/mo
Today · 4.125%
HK$103,844
baseline
▲ 0.50% · 4.625%
HK$110,163
+HK$6,319/mo
Deposit HK$9.18M · loan HK$21.43M · min. income ≈ HK$207,688/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,708
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,624
−HK$2,958/mo
Today · 4.125%
HK$114,582
baseline
▲ 0.50% · 4.625%
HK$120,621
+HK$6,039/mo
Deposit HK$9.18M · loan HK$21.43M · min. income ≈ HK$229,164/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,635
−HK$7,879/mo
▼ 0.25% · 3.875%
HK$129,543
−HK$3,971/mo
Today · 4.125%
HK$133,514
baseline
▲ 0.50% · 4.625%
HK$141,638
+HK$8,124/mo
Deposit HK$3.06M · loan HK$27.55M · min. income ≈ HK$267,028/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,768
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$143,517
−HK$3,802/mo
Today · 4.125%
HK$147,319
baseline
▲ 0.50% · 4.625%
HK$155,085
+HK$7,766/mo
Deposit HK$3.06M · loan HK$27.55M · min. income ≈ HK$294,638/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,902 · Scale 2, in force from 26 Feb 2026)