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$69,678
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,845
−HK$2,202/mo
Today · 4.125%
HK$74,047
baseline
▲ 0.50% · 4.625%
HK$78,553
+HK$4,506/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$148,094/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,516
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,595
−HK$2,109/mo
Today · 4.125%
HK$81,704
baseline
▲ 0.50% · 4.625%
HK$86,011
+HK$4,307/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,408/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,613
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,214
−HK$2,643/mo
Today · 4.125%
HK$88,857
baseline
▲ 0.50% · 4.625%
HK$94,263
+HK$5,406/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$177,714/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,019
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,514
−HK$2,531/mo
Today · 4.125%
HK$98,045
baseline
▲ 0.50% · 4.625%
HK$103,213
+HK$5,168/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$196,090/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,549
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$100,583
−HK$3,083/mo
Today · 4.125%
HK$103,666
baseline
▲ 0.50% · 4.625%
HK$109,974
+HK$6,308/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$207,332/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,298,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,522
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$111,433
−HK$2,952/mo
Today · 4.125%
HK$114,385
baseline
▲ 0.50% · 4.625%
HK$120,415
+HK$6,030/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$228,770/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,298,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,420
−HK$7,865/mo
▼ 0.25% · 3.875%
HK$129,321
−HK$3,964/mo
Today · 4.125%
HK$133,285
baseline
▲ 0.50% · 4.625%
HK$141,395
+HK$8,110/mo
Deposit HK$3.06M · loan HK$27.50M · min. income ≈ HK$266,570/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,529
−HK$7,538/mo
▼ 0.25% · 3.875%
HK$143,271
−HK$3,796/mo
Today · 4.125%
HK$147,067
baseline
▲ 0.50% · 4.625%
HK$154,819
+HK$7,752/mo
Deposit HK$3.06M · loan HK$27.50M · min. income ≈ HK$294,134/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,674 · Scale 2, in force from 26 Feb 2026)