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$69,852
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,025
−HK$2,207/mo
Today · 4.125%
HK$74,232
baseline
▲ 0.50% · 4.625%
HK$78,749
+HK$4,517/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,464/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,301,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,710
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,794
−HK$2,114/mo
Today · 4.125%
HK$81,908
baseline
▲ 0.50% · 4.625%
HK$86,226
+HK$4,318/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,816/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,301,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,823
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,430
−HK$2,649/mo
Today · 4.125%
HK$89,079
baseline
▲ 0.50% · 4.625%
HK$94,499
+HK$5,420/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$178,158/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,301,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,252
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,753
−HK$2,537/mo
Today · 4.125%
HK$98,290
baseline
▲ 0.50% · 4.625%
HK$103,471
+HK$5,181/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$196,580/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,301,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,793
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$100,835
−HK$3,090/mo
Today · 4.125%
HK$103,925
baseline
▲ 0.50% · 4.625%
HK$110,249
+HK$6,324/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$207,850/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,794
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$111,711
−HK$2,960/mo
Today · 4.125%
HK$114,671
baseline
▲ 0.50% · 4.625%
HK$120,716
+HK$6,045/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$229,342/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,734
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$129,645
−HK$3,973/mo
Today · 4.125%
HK$133,618
baseline
▲ 0.50% · 4.625%
HK$141,749
+HK$8,131/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$267,236/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,301,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,878
−HK$7,557/mo
▼ 0.25% · 3.875%
HK$143,629
−HK$3,806/mo
Today · 4.125%
HK$147,435
baseline
▲ 0.50% · 4.625%
HK$155,206
+HK$7,771/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$294,870/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,301,922 · Scale 2, in force from 26 Feb 2026)