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$69,714
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,883
−HK$2,203/mo
Today · 4.125%
HK$74,086
baseline
▲ 0.50% · 4.625%
HK$78,594
+HK$4,508/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,172/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,556
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,636
−HK$2,110/mo
Today · 4.125%
HK$81,746
baseline
▲ 0.50% · 4.625%
HK$86,055
+HK$4,309/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,492/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,657
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,259
−HK$2,644/mo
Today · 4.125%
HK$88,903
baseline
▲ 0.50% · 4.625%
HK$94,313
+HK$5,410/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$177,806/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,068
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,564
−HK$2,532/mo
Today · 4.125%
HK$98,096
baseline
▲ 0.50% · 4.625%
HK$103,266
+HK$5,170/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$196,192/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,600
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,636
−HK$3,084/mo
Today · 4.125%
HK$103,720
baseline
▲ 0.50% · 4.625%
HK$110,031
+HK$6,311/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,440/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,579
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,491
−HK$2,954/mo
Today · 4.125%
HK$114,445
baseline
▲ 0.50% · 4.625%
HK$120,478
+HK$6,033/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,890/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,486
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$129,389
−HK$3,966/mo
Today · 4.125%
HK$133,355
baseline
▲ 0.50% · 4.625%
HK$141,469
+HK$8,114/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$266,710/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,601
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$143,345
−HK$3,799/mo
Today · 4.125%
HK$147,144
baseline
▲ 0.50% · 4.625%
HK$154,900
+HK$7,756/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$294,288/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,351 · Scale 2, in force from 26 Feb 2026)