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$69,715
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,884
−HK$2,203/mo
Today · 4.125%
HK$74,087
baseline
▲ 0.50% · 4.625%
HK$78,595
+HK$4,508/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,174/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,558
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,638
−HK$2,110/mo
Today · 4.125%
HK$81,748
baseline
▲ 0.50% · 4.625%
HK$86,057
+HK$4,309/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,496/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,658
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,261
−HK$2,644/mo
Today · 4.125%
HK$88,905
baseline
▲ 0.50% · 4.625%
HK$94,314
+HK$5,409/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$177,810/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,069
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,565
−HK$2,532/mo
Today · 4.125%
HK$98,097
baseline
▲ 0.50% · 4.625%
HK$103,268
+HK$5,171/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$196,194/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,602
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,638
−HK$3,084/mo
Today · 4.125%
HK$103,722
baseline
▲ 0.50% · 4.625%
HK$110,033
+HK$6,311/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,444/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,581
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,493
−HK$2,954/mo
Today · 4.125%
HK$114,447
baseline
▲ 0.50% · 4.625%
HK$120,480
+HK$6,033/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,894/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,488
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$129,391
−HK$3,966/mo
Today · 4.125%
HK$133,357
baseline
▲ 0.50% · 4.625%
HK$141,471
+HK$8,114/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$266,714/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,604
−HK$7,542/mo
▼ 0.25% · 3.875%
HK$143,348
−HK$3,798/mo
Today · 4.125%
HK$147,146
baseline
▲ 0.50% · 4.625%
HK$154,902
+HK$7,756/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$294,292/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,374 · Scale 2, in force from 26 Feb 2026)