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$69,711
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,880
−HK$2,203/mo
Today · 4.125%
HK$74,083
baseline
▲ 0.50% · 4.625%
HK$78,591
+HK$4,508/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,166/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,553
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,633
−HK$2,110/mo
Today · 4.125%
HK$81,743
baseline
▲ 0.50% · 4.625%
HK$86,052
+HK$4,309/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,486/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,653
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,256
−HK$2,643/mo
Today · 4.125%
HK$88,899
baseline
▲ 0.50% · 4.625%
HK$94,309
+HK$5,410/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$177,798/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,064
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,560
−HK$2,532/mo
Today · 4.125%
HK$98,092
baseline
▲ 0.50% · 4.625%
HK$103,262
+HK$5,170/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$196,184/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,596
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,632
−HK$3,084/mo
Today · 4.125%
HK$103,716
baseline
▲ 0.50% · 4.625%
HK$110,027
+HK$6,311/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,432/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,574
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,486
−HK$2,954/mo
Today · 4.125%
HK$114,440
baseline
▲ 0.50% · 4.625%
HK$120,473
+HK$6,033/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,880/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,480
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$129,383
−HK$3,966/mo
Today · 4.125%
HK$133,349
baseline
▲ 0.50% · 4.625%
HK$141,463
+HK$8,114/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$266,698/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,596
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$143,339
−HK$3,798/mo
Today · 4.125%
HK$147,137
baseline
▲ 0.50% · 4.625%
HK$154,893
+HK$7,756/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$294,274/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,296 · Scale 2, in force from 26 Feb 2026)