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$69,916
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,091
−HK$2,209/mo
Today · 4.125%
HK$74,300
baseline
▲ 0.50% · 4.625%
HK$78,821
+HK$4,521/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$148,600/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,303,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,781
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,867
−HK$2,116/mo
Today · 4.125%
HK$81,983
baseline
▲ 0.50% · 4.625%
HK$86,304
+HK$4,321/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$163,966/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,303,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,899
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,509
−HK$2,651/mo
Today · 4.125%
HK$89,160
baseline
▲ 0.50% · 4.625%
HK$94,585
+HK$5,425/mo
Deposit HK$12.26M · loan HK$18.40M · min. income ≈ HK$178,320/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,337
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,840
−HK$2,539/mo
Today · 4.125%
HK$98,379
baseline
▲ 0.50% · 4.625%
HK$103,565
+HK$5,186/mo
Deposit HK$12.26M · loan HK$18.40M · min. income ≈ HK$196,758/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,882
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$100,927
−HK$3,093/mo
Today · 4.125%
HK$104,020
baseline
▲ 0.50% · 4.625%
HK$110,350
+HK$6,330/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$208,040/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,303,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,893
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$111,813
−HK$2,963/mo
Today · 4.125%
HK$114,776
baseline
▲ 0.50% · 4.625%
HK$120,826
+HK$6,050/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$229,552/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,303,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,848
−HK$7,892/mo
▼ 0.25% · 3.875%
HK$129,763
−HK$3,977/mo
Today · 4.125%
HK$133,740
baseline
▲ 0.50% · 4.625%
HK$141,878
+HK$8,138/mo
Deposit HK$3.07M · loan HK$27.60M · min. income ≈ HK$267,480/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,005
−HK$7,564/mo
▼ 0.25% · 3.875%
HK$143,760
−HK$3,809/mo
Today · 4.125%
HK$147,569
baseline
▲ 0.50% · 4.625%
HK$155,348
+HK$7,779/mo
Deposit HK$3.07M · loan HK$27.60M · min. income ≈ HK$295,138/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,108 · Scale 2, in force from 26 Feb 2026)