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$69,835
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$72,007
−HK$2,207/mo
Today · 4.125%
HK$74,214
baseline
▲ 0.50% · 4.625%
HK$78,730
+HK$4,516/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,428/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,691
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,774
−HK$2,114/mo
Today · 4.125%
HK$81,888
baseline
▲ 0.50% · 4.625%
HK$86,205
+HK$4,317/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,776/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,802
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,409
−HK$2,648/mo
Today · 4.125%
HK$89,057
baseline
▲ 0.50% · 4.625%
HK$94,476
+HK$5,419/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$178,114/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,229
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,729
−HK$2,537/mo
Today · 4.125%
HK$98,266
baseline
▲ 0.50% · 4.625%
HK$103,446
+HK$5,180/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$196,532/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,769
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,810
−HK$3,090/mo
Today · 4.125%
HK$103,900
baseline
▲ 0.50% · 4.625%
HK$110,222
+HK$6,322/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$207,800/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,767
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$111,684
−HK$2,960/mo
Today · 4.125%
HK$114,644
baseline
▲ 0.50% · 4.625%
HK$120,687
+HK$6,043/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$229,288/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,703
−HK$7,883/mo
▼ 0.25% · 3.875%
HK$129,613
−HK$3,973/mo
Today · 4.125%
HK$133,586
baseline
▲ 0.50% · 4.625%
HK$141,714
+HK$8,128/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$267,172/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,843
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$143,594
−HK$3,805/mo
Today · 4.125%
HK$147,399
baseline
▲ 0.50% · 4.625%
HK$155,168
+HK$7,769/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$294,798/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,604 · Scale 2, in force from 26 Feb 2026)