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$69,887
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,061
−HK$2,209/mo
Today · 4.125%
HK$74,270
baseline
▲ 0.50% · 4.625%
HK$78,789
+HK$4,519/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,540/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,749
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,834
−HK$2,115/mo
Today · 4.125%
HK$81,949
baseline
▲ 0.50% · 4.625%
HK$86,269
+HK$4,320/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,898/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,865
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,473
−HK$2,651/mo
Today · 4.125%
HK$89,124
baseline
▲ 0.50% · 4.625%
HK$94,547
+HK$5,423/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,248/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,299
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,801
−HK$2,538/mo
Today · 4.125%
HK$98,339
baseline
▲ 0.50% · 4.625%
HK$103,523
+HK$5,184/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,678/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,842
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$100,886
−HK$3,092/mo
Today · 4.125%
HK$103,978
baseline
▲ 0.50% · 4.625%
HK$110,305
+HK$6,327/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,956/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,848
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$111,768
−HK$2,961/mo
Today · 4.125%
HK$114,729
baseline
▲ 0.50% · 4.625%
HK$120,777
+HK$6,048/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,458/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,797
−HK$7,889/mo
▼ 0.25% · 3.875%
HK$129,710
−HK$3,976/mo
Today · 4.125%
HK$133,686
baseline
▲ 0.50% · 4.625%
HK$141,820
+HK$8,134/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$267,372/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,948
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$143,701
−HK$3,808/mo
Today · 4.125%
HK$147,509
baseline
▲ 0.50% · 4.625%
HK$155,284
+HK$7,775/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$295,018/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,577 · Scale 2, in force from 26 Feb 2026)