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$69,969
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,146
−HK$2,211/mo
Today · 4.125%
HK$74,357
baseline
▲ 0.50% · 4.625%
HK$78,881
+HK$4,524/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$148,714/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,840
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,928
−HK$2,117/mo
Today · 4.125%
HK$82,045
baseline
▲ 0.50% · 4.625%
HK$86,370
+HK$4,325/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$164,090/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,963
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$86,575
−HK$2,653/mo
Today · 4.125%
HK$89,228
baseline
▲ 0.50% · 4.625%
HK$94,658
+HK$5,430/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$178,456/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,408
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,913
−HK$2,542/mo
Today · 4.125%
HK$98,455
baseline
▲ 0.50% · 4.625%
HK$103,644
+HK$5,189/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$196,910/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,957
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$101,004
−HK$3,096/mo
Today · 4.125%
HK$104,100
baseline
▲ 0.50% · 4.625%
HK$110,434
+HK$6,334/mo
Deposit HK$9.21M · loan HK$21.48M · min. income ≈ HK$208,200/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,976
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$111,899
−HK$2,965/mo
Today · 4.125%
HK$114,864
baseline
▲ 0.50% · 4.625%
HK$120,918
+HK$6,054/mo
Deposit HK$9.21M · loan HK$21.48M · min. income ≈ HK$229,728/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,945
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$129,862
−HK$3,980/mo
Today · 4.125%
HK$133,842
baseline
▲ 0.50% · 4.625%
HK$141,986
+HK$8,144/mo
Deposit HK$3.07M · loan HK$27.62M · min. income ≈ HK$267,684/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,112
−HK$7,570/mo
▼ 0.25% · 3.875%
HK$143,870
−HK$3,812/mo
Today · 4.125%
HK$147,682
baseline
▲ 0.50% · 4.625%
HK$155,466
+HK$7,784/mo
Deposit HK$3.07M · loan HK$27.62M · min. income ≈ HK$295,364/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,104 · Scale 2, in force from 26 Feb 2026)