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$69,703
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,871
−HK$2,203/mo
Today · 4.125%
HK$74,074
baseline
▲ 0.50% · 4.625%
HK$78,581
+HK$4,507/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$148,148/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,544
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,624
−HK$2,109/mo
Today · 4.125%
HK$81,733
baseline
▲ 0.50% · 4.625%
HK$86,042
+HK$4,309/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,466/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,644
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,245
−HK$2,644/mo
Today · 4.125%
HK$88,889
baseline
▲ 0.50% · 4.625%
HK$94,298
+HK$5,409/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$177,778/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,053
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$95,548
−HK$2,532/mo
Today · 4.125%
HK$98,080
baseline
▲ 0.50% · 4.625%
HK$103,250
+HK$5,170/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$196,160/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,584
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,620
−HK$3,084/mo
Today · 4.125%
HK$103,704
baseline
▲ 0.50% · 4.625%
HK$110,014
+HK$6,310/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,408/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,562
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,473
−HK$2,954/mo
Today · 4.125%
HK$114,427
baseline
▲ 0.50% · 4.625%
HK$120,458
+HK$6,031/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,854/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,466
−HK$7,867/mo
▼ 0.25% · 3.875%
HK$129,368
−HK$3,965/mo
Today · 4.125%
HK$133,333
baseline
▲ 0.50% · 4.625%
HK$141,446
+HK$8,113/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$266,666/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,579
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$143,323
−HK$3,797/mo
Today · 4.125%
HK$147,120
baseline
▲ 0.50% · 4.625%
HK$154,875
+HK$7,755/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$294,240/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,144 · Scale 2, in force from 26 Feb 2026)