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$69,723
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,891
−HK$2,204/mo
Today · 4.125%
HK$74,095
baseline
▲ 0.50% · 4.625%
HK$78,603
+HK$4,508/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,190/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,566
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,646
−HK$2,110/mo
Today · 4.125%
HK$81,756
baseline
▲ 0.50% · 4.625%
HK$86,066
+HK$4,310/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,512/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,667
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,270
−HK$2,644/mo
Today · 4.125%
HK$88,914
baseline
▲ 0.50% · 4.625%
HK$94,324
+HK$5,410/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$177,828/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,079
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,575
−HK$2,533/mo
Today · 4.125%
HK$98,108
baseline
▲ 0.50% · 4.625%
HK$103,279
+HK$5,171/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$196,216/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,612
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,648
−HK$3,085/mo
Today · 4.125%
HK$103,733
baseline
▲ 0.50% · 4.625%
HK$110,045
+HK$6,312/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,466/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,592
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,504
−HK$2,955/mo
Today · 4.125%
HK$114,459
baseline
▲ 0.50% · 4.625%
HK$120,492
+HK$6,033/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,918/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,501
−HK$7,870/mo
▼ 0.25% · 3.875%
HK$129,404
−HK$3,967/mo
Today · 4.125%
HK$133,371
baseline
▲ 0.50% · 4.625%
HK$141,486
+HK$8,115/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$266,742/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,618
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$143,363
−HK$3,798/mo
Today · 4.125%
HK$147,161
baseline
▲ 0.50% · 4.625%
HK$154,918
+HK$7,757/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$294,322/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,507 · Scale 2, in force from 26 Feb 2026)