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$69,914
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,089
−HK$2,209/mo
Today · 4.125%
HK$74,298
baseline
▲ 0.50% · 4.625%
HK$78,819
+HK$4,521/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$148,596/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,303,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,779
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,865
−HK$2,116/mo
Today · 4.125%
HK$81,981
baseline
▲ 0.50% · 4.625%
HK$86,302
+HK$4,321/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$163,962/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,303,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,897
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,506
−HK$2,652/mo
Today · 4.125%
HK$89,158
baseline
▲ 0.50% · 4.625%
HK$94,583
+HK$5,425/mo
Deposit HK$12.26M · loan HK$18.40M · min. income ≈ HK$178,316/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,334
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,838
−HK$2,539/mo
Today · 4.125%
HK$98,377
baseline
▲ 0.50% · 4.625%
HK$103,562
+HK$5,185/mo
Deposit HK$12.26M · loan HK$18.40M · min. income ≈ HK$196,754/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,880
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$100,924
−HK$3,094/mo
Today · 4.125%
HK$104,018
baseline
▲ 0.50% · 4.625%
HK$110,347
+HK$6,329/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$208,036/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,303,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,890
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$111,810
−HK$2,963/mo
Today · 4.125%
HK$114,773
baseline
▲ 0.50% · 4.625%
HK$120,823
+HK$6,050/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$229,546/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,303,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,845
−HK$7,892/mo
▼ 0.25% · 3.875%
HK$129,760
−HK$3,977/mo
Today · 4.125%
HK$133,737
baseline
▲ 0.50% · 4.625%
HK$141,874
+HK$8,137/mo
Deposit HK$3.07M · loan HK$27.59M · min. income ≈ HK$267,474/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,002
−HK$7,563/mo
▼ 0.25% · 3.875%
HK$143,756
−HK$3,809/mo
Today · 4.125%
HK$147,565
baseline
▲ 0.50% · 4.625%
HK$155,344
+HK$7,779/mo
Deposit HK$3.07M · loan HK$27.59M · min. income ≈ HK$295,130/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,075 · Scale 2, in force from 26 Feb 2026)