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$69,670
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,837
−HK$2,202/mo
Today · 4.125%
HK$74,039
baseline
▲ 0.50% · 4.625%
HK$78,544
+HK$4,505/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$148,078/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,507
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,586
−HK$2,109/mo
Today · 4.125%
HK$81,695
baseline
▲ 0.50% · 4.625%
HK$86,001
+HK$4,306/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,390/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,604
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,205
−HK$2,642/mo
Today · 4.125%
HK$88,847
baseline
▲ 0.50% · 4.625%
HK$94,253
+HK$5,406/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$177,694/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,009
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,503
−HK$2,531/mo
Today · 4.125%
HK$98,034
baseline
▲ 0.50% · 4.625%
HK$103,201
+HK$5,167/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$196,068/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,538
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$100,572
−HK$3,083/mo
Today · 4.125%
HK$103,655
baseline
▲ 0.50% · 4.625%
HK$109,962
+HK$6,307/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$207,310/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,510
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$111,421
−HK$2,952/mo
Today · 4.125%
HK$114,373
baseline
▲ 0.50% · 4.625%
HK$120,402
+HK$6,029/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$228,746/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,407
−HK$7,864/mo
▼ 0.25% · 3.875%
HK$129,307
−HK$3,964/mo
Today · 4.125%
HK$133,271
baseline
▲ 0.50% · 4.625%
HK$141,380
+HK$8,109/mo
Deposit HK$3.06M · loan HK$27.50M · min. income ≈ HK$266,542/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,513
−HK$7,538/mo
▼ 0.25% · 3.875%
HK$143,255
−HK$3,796/mo
Today · 4.125%
HK$147,051
baseline
▲ 0.50% · 4.625%
HK$154,802
+HK$7,751/mo
Deposit HK$3.06M · loan HK$27.50M · min. income ≈ HK$294,102/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,533 · Scale 2, in force from 26 Feb 2026)