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$69,875
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,049
−HK$2,208/mo
Today · 4.125%
HK$74,257
baseline
▲ 0.50% · 4.625%
HK$78,775
+HK$4,518/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,514/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,735
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,820
−HK$2,115/mo
Today · 4.125%
HK$81,935
baseline
▲ 0.50% · 4.625%
HK$86,254
+HK$4,319/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,870/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,850
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,458
−HK$2,650/mo
Today · 4.125%
HK$89,108
baseline
▲ 0.50% · 4.625%
HK$94,530
+HK$5,422/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,216/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,282
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,784
−HK$2,538/mo
Today · 4.125%
HK$98,322
baseline
▲ 0.50% · 4.625%
HK$103,505
+HK$5,183/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,644/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,825
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,868
−HK$3,092/mo
Today · 4.125%
HK$103,960
baseline
▲ 0.50% · 4.625%
HK$110,285
+HK$6,325/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,920/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,829
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,748
−HK$2,961/mo
Today · 4.125%
HK$114,709
baseline
▲ 0.50% · 4.625%
HK$120,756
+HK$6,047/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,418/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,775
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$129,687
−HK$3,975/mo
Today · 4.125%
HK$133,662
baseline
▲ 0.50% · 4.625%
HK$141,795
+HK$8,133/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$267,324/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,923
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$143,676
−HK$3,807/mo
Today · 4.125%
HK$147,483
baseline
▲ 0.50% · 4.625%
HK$155,257
+HK$7,774/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$294,966/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,349 · Scale 2, in force from 26 Feb 2026)