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$69,973
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,149
−HK$2,212/mo
Today · 4.125%
HK$74,361
baseline
▲ 0.50% · 4.625%
HK$78,885
+HK$4,524/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$148,722/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,844
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,932
−HK$2,118/mo
Today · 4.125%
HK$82,050
baseline
▲ 0.50% · 4.625%
HK$86,375
+HK$4,325/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$164,100/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,967
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,579
−HK$2,654/mo
Today · 4.125%
HK$89,233
baseline
▲ 0.50% · 4.625%
HK$94,663
+HK$5,430/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$178,466/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,413
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,918
−HK$2,542/mo
Today · 4.125%
HK$98,460
baseline
▲ 0.50% · 4.625%
HK$103,650
+HK$5,190/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$196,920/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,962
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$101,009
−HK$3,096/mo
Today · 4.125%
HK$104,105
baseline
▲ 0.50% · 4.625%
HK$110,440
+HK$6,335/mo
Deposit HK$9.21M · loan HK$21.48M · min. income ≈ HK$208,210/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,982
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$111,905
−HK$2,965/mo
Today · 4.125%
HK$114,870
baseline
▲ 0.50% · 4.625%
HK$120,925
+HK$6,055/mo
Deposit HK$9.21M · loan HK$21.48M · min. income ≈ HK$229,740/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,951
−HK$7,898/mo
▼ 0.25% · 3.875%
HK$129,869
−HK$3,980/mo
Today · 4.125%
HK$133,849
baseline
▲ 0.50% · 4.625%
HK$141,994
+HK$8,145/mo
Deposit HK$3.07M · loan HK$27.62M · min. income ≈ HK$267,698/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,119
−HK$7,571/mo
▼ 0.25% · 3.875%
HK$143,877
−HK$3,813/mo
Today · 4.125%
HK$147,690
baseline
▲ 0.50% · 4.625%
HK$155,475
+HK$7,785/mo
Deposit HK$3.07M · loan HK$27.62M · min. income ≈ HK$295,380/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,173 · Scale 2, in force from 26 Feb 2026)