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$69,730
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,899
−HK$2,203/mo
Today · 4.125%
HK$74,102
baseline
▲ 0.50% · 4.625%
HK$78,611
+HK$4,509/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,204/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,574
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,654
−HK$2,111/mo
Today · 4.125%
HK$81,765
baseline
▲ 0.50% · 4.625%
HK$86,075
+HK$4,310/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,530/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,676
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,278
−HK$2,645/mo
Today · 4.125%
HK$88,923
baseline
▲ 0.50% · 4.625%
HK$94,334
+HK$5,411/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$177,846/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,088
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,585
−HK$2,533/mo
Today · 4.125%
HK$98,118
baseline
▲ 0.50% · 4.625%
HK$103,289
+HK$5,171/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$196,236/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,622
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,658
−HK$3,085/mo
Today · 4.125%
HK$103,743
baseline
▲ 0.50% · 4.625%
HK$110,056
+HK$6,313/mo
Deposit HK$9.17M · loan HK$21.41M · min. income ≈ HK$207,486/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,603
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,516
−HK$2,955/mo
Today · 4.125%
HK$114,471
baseline
▲ 0.50% · 4.625%
HK$120,504
+HK$6,033/mo
Deposit HK$9.17M · loan HK$21.41M · min. income ≈ HK$228,942/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,513
−HK$7,871/mo
▼ 0.25% · 3.875%
HK$129,418
−HK$3,966/mo
Today · 4.125%
HK$133,384
baseline
▲ 0.50% · 4.625%
HK$141,500
+HK$8,116/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$266,768/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,632
−HK$7,544/mo
▼ 0.25% · 3.875%
HK$143,377
−HK$3,799/mo
Today · 4.125%
HK$147,176
baseline
▲ 0.50% · 4.625%
HK$154,934
+HK$7,758/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$294,352/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,640 · Scale 2, in force from 26 Feb 2026)