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$69,852
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,025
−HK$2,208/mo
Today · 4.125%
HK$74,233
baseline
▲ 0.50% · 4.625%
HK$78,750
+HK$4,517/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,466/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,301,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,710
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,794
−HK$2,115/mo
Today · 4.125%
HK$81,909
baseline
▲ 0.50% · 4.625%
HK$86,226
+HK$4,317/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,818/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,301,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,823
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,430
−HK$2,649/mo
Today · 4.125%
HK$89,079
baseline
▲ 0.50% · 4.625%
HK$94,500
+HK$5,421/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$178,158/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,301,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,252
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,753
−HK$2,537/mo
Today · 4.125%
HK$98,290
baseline
▲ 0.50% · 4.625%
HK$103,471
+HK$5,181/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$196,580/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,301,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,793
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$100,835
−HK$3,091/mo
Today · 4.125%
HK$103,926
baseline
▲ 0.50% · 4.625%
HK$110,249
+HK$6,323/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$207,852/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,794
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$111,712
−HK$2,960/mo
Today · 4.125%
HK$114,672
baseline
▲ 0.50% · 4.625%
HK$120,716
+HK$6,044/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$229,344/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,734
−HK$7,885/mo
▼ 0.25% · 3.875%
HK$129,645
−HK$3,974/mo
Today · 4.125%
HK$133,619
baseline
▲ 0.50% · 4.625%
HK$141,749
+HK$8,130/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$267,238/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,301,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,878
−HK$7,557/mo
▼ 0.25% · 3.875%
HK$143,630
−HK$3,805/mo
Today · 4.125%
HK$147,435
baseline
▲ 0.50% · 4.625%
HK$155,207
+HK$7,772/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$294,870/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,301,927 · Scale 2, in force from 26 Feb 2026)