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$69,897
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,071
−HK$2,209/mo
Today · 4.125%
HK$74,280
baseline
▲ 0.50% · 4.625%
HK$78,800
+HK$4,520/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$148,560/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,760
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,845
−HK$2,116/mo
Today · 4.125%
HK$81,961
baseline
▲ 0.50% · 4.625%
HK$86,281
+HK$4,320/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$163,922/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,877
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,486
−HK$2,651/mo
Today · 4.125%
HK$89,137
baseline
▲ 0.50% · 4.625%
HK$94,560
+HK$5,423/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,274/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,312
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,815
−HK$2,538/mo
Today · 4.125%
HK$98,353
baseline
▲ 0.50% · 4.625%
HK$103,538
+HK$5,185/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,706/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,856
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$100,900
−HK$3,093/mo
Today · 4.125%
HK$103,993
baseline
▲ 0.50% · 4.625%
HK$110,320
+HK$6,327/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$207,986/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,864
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$111,784
−HK$2,962/mo
Today · 4.125%
HK$114,746
baseline
▲ 0.50% · 4.625%
HK$120,794
+HK$6,048/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$229,492/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,815
−HK$7,890/mo
▼ 0.25% · 3.875%
HK$129,729
−HK$3,976/mo
Today · 4.125%
HK$133,705
baseline
▲ 0.50% · 4.625%
HK$141,840
+HK$8,135/mo
Deposit HK$3.07M · loan HK$27.59M · min. income ≈ HK$267,410/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,968
−HK$7,562/mo
▼ 0.25% · 3.875%
HK$143,722
−HK$3,808/mo
Today · 4.125%
HK$147,530
baseline
▲ 0.50% · 4.625%
HK$155,307
+HK$7,777/mo
Deposit HK$3.07M · loan HK$27.59M · min. income ≈ HK$295,060/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,763 · Scale 2, in force from 26 Feb 2026)