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$69,660
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,827
−HK$2,202/mo
Today · 4.125%
HK$74,029
baseline
▲ 0.50% · 4.625%
HK$78,533
+HK$4,504/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$148,058/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,496
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,575
−HK$2,108/mo
Today · 4.125%
HK$81,683
baseline
▲ 0.50% · 4.625%
HK$85,989
+HK$4,306/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,366/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,592
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,193
−HK$2,641/mo
Today · 4.125%
HK$88,834
baseline
▲ 0.50% · 4.625%
HK$94,240
+HK$5,406/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$177,668/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,996
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,490
−HK$2,530/mo
Today · 4.125%
HK$98,020
baseline
▲ 0.50% · 4.625%
HK$103,187
+HK$5,167/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$196,040/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,524
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,558
−HK$3,082/mo
Today · 4.125%
HK$103,640
baseline
▲ 0.50% · 4.625%
HK$109,946
+HK$6,306/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$207,280/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,495
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$111,405
−HK$2,952/mo
Today · 4.125%
HK$114,357
baseline
▲ 0.50% · 4.625%
HK$120,384
+HK$6,027/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$228,714/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,389
−HK$7,863/mo
▼ 0.25% · 3.875%
HK$129,289
−HK$3,963/mo
Today · 4.125%
HK$133,252
baseline
▲ 0.50% · 4.625%
HK$141,360
+HK$8,108/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$266,504/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,494
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$143,235
−HK$3,795/mo
Today · 4.125%
HK$147,030
baseline
▲ 0.50% · 4.625%
HK$154,780
+HK$7,750/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$294,060/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,347 · Scale 2, in force from 26 Feb 2026)