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$69,627
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,793
−HK$2,200/mo
Today · 4.125%
HK$73,993
baseline
▲ 0.50% · 4.625%
HK$78,496
+HK$4,503/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$147,986/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,459
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,537
−HK$2,107/mo
Today · 4.125%
HK$81,644
baseline
▲ 0.50% · 4.625%
HK$85,948
+HK$4,304/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,288/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,552
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,151
−HK$2,641/mo
Today · 4.125%
HK$88,792
baseline
▲ 0.50% · 4.625%
HK$94,195
+HK$5,403/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$177,584/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,951
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,444
−HK$2,529/mo
Today · 4.125%
HK$97,973
baseline
▲ 0.50% · 4.625%
HK$103,137
+HK$5,164/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$195,946/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,478
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$100,510
−HK$3,080/mo
Today · 4.125%
HK$103,590
baseline
▲ 0.50% · 4.625%
HK$109,894
+HK$6,304/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$207,180/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,443
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,351
−HK$2,951/mo
Today · 4.125%
HK$114,302
baseline
▲ 0.50% · 4.625%
HK$120,327
+HK$6,025/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$228,604/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,329
−HK$7,859/mo
▼ 0.25% · 3.875%
HK$129,227
−HK$3,961/mo
Today · 4.125%
HK$133,188
baseline
▲ 0.50% · 4.625%
HK$141,292
+HK$8,104/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$266,376/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,427
−HK$7,533/mo
▼ 0.25% · 3.875%
HK$143,166
−HK$3,794/mo
Today · 4.125%
HK$146,960
baseline
▲ 0.50% · 4.625%
HK$154,706
+HK$7,746/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$293,920/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,726 · Scale 2, in force from 26 Feb 2026)