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$69,718
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,886
−HK$2,204/mo
Today · 4.125%
HK$74,090
baseline
▲ 0.50% · 4.625%
HK$78,598
+HK$4,508/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,180/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,560
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,640
−HK$2,111/mo
Today · 4.125%
HK$81,751
baseline
▲ 0.50% · 4.625%
HK$86,060
+HK$4,309/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,502/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,661
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,264
−HK$2,643/mo
Today · 4.125%
HK$88,907
baseline
▲ 0.50% · 4.625%
HK$94,317
+HK$5,410/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$177,814/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,072
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,568
−HK$2,533/mo
Today · 4.125%
HK$98,101
baseline
▲ 0.50% · 4.625%
HK$103,272
+HK$5,171/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$196,202/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,605
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,641
−HK$3,084/mo
Today · 4.125%
HK$103,725
baseline
▲ 0.50% · 4.625%
HK$110,037
+HK$6,312/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,450/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,584
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,496
−HK$2,955/mo
Today · 4.125%
HK$114,451
baseline
▲ 0.50% · 4.625%
HK$120,484
+HK$6,033/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,902/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,492
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$129,395
−HK$3,966/mo
Today · 4.125%
HK$133,361
baseline
▲ 0.50% · 4.625%
HK$141,476
+HK$8,115/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$266,722/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,608
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$143,353
−HK$3,798/mo
Today · 4.125%
HK$147,151
baseline
▲ 0.50% · 4.625%
HK$154,907
+HK$7,756/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$294,302/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,416 · Scale 2, in force from 26 Feb 2026)