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$69,816
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,988
−HK$2,206/mo
Today · 4.125%
HK$74,194
baseline
▲ 0.50% · 4.625%
HK$78,709
+HK$4,515/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,388/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,670
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,753
−HK$2,113/mo
Today · 4.125%
HK$81,866
baseline
▲ 0.50% · 4.625%
HK$86,181
+HK$4,315/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,732/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,779
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,385
−HK$2,648/mo
Today · 4.125%
HK$89,033
baseline
▲ 0.50% · 4.625%
HK$94,450
+HK$5,417/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$178,066/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,203
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,703
−HK$2,536/mo
Today · 4.125%
HK$98,239
baseline
▲ 0.50% · 4.625%
HK$103,417
+HK$5,178/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$196,478/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,742
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,783
−HK$3,089/mo
Today · 4.125%
HK$103,872
baseline
▲ 0.50% · 4.625%
HK$110,192
+HK$6,320/mo
Deposit HK$9.19M · loan HK$21.43M · min. income ≈ HK$207,744/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,737
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,654
−HK$2,958/mo
Today · 4.125%
HK$114,612
baseline
▲ 0.50% · 4.625%
HK$120,653
+HK$6,041/mo
Deposit HK$9.19M · loan HK$21.43M · min. income ≈ HK$229,224/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,669
−HK$7,880/mo
▼ 0.25% · 3.875%
HK$129,578
−HK$3,971/mo
Today · 4.125%
HK$133,549
baseline
▲ 0.50% · 4.625%
HK$141,675
+HK$8,126/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$267,098/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,805
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$143,555
−HK$3,803/mo
Today · 4.125%
HK$147,358
baseline
▲ 0.50% · 4.625%
HK$155,126
+HK$7,768/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$294,716/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,248 · Scale 2, in force from 26 Feb 2026)