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$69,864
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,037
−HK$2,208/mo
Today · 4.125%
HK$74,245
baseline
▲ 0.50% · 4.625%
HK$78,763
+HK$4,518/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,490/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,723
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,807
−HK$2,115/mo
Today · 4.125%
HK$81,922
baseline
▲ 0.50% · 4.625%
HK$86,240
+HK$4,318/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,844/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,837
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,444
−HK$2,650/mo
Today · 4.125%
HK$89,094
baseline
▲ 0.50% · 4.625%
HK$94,515
+HK$5,421/mo
Deposit HK$12.26M · loan HK$18.38M · min. income ≈ HK$178,188/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,267
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,769
−HK$2,537/mo
Today · 4.125%
HK$98,306
baseline
▲ 0.50% · 4.625%
HK$103,488
+HK$5,182/mo
Deposit HK$12.26M · loan HK$18.38M · min. income ≈ HK$196,612/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,809
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$100,852
−HK$3,091/mo
Today · 4.125%
HK$103,943
baseline
▲ 0.50% · 4.625%
HK$110,268
+HK$6,325/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,886/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,302,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,812
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$111,730
−HK$2,961/mo
Today · 4.125%
HK$114,691
baseline
▲ 0.50% · 4.625%
HK$120,736
+HK$6,045/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,382/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,302,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,755
−HK$7,886/mo
▼ 0.25% · 3.875%
HK$129,667
−HK$3,974/mo
Today · 4.125%
HK$133,641
baseline
▲ 0.50% · 4.625%
HK$141,773
+HK$8,132/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$267,282/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,901
−HK$7,559/mo
▼ 0.25% · 3.875%
HK$143,653
−HK$3,807/mo
Today · 4.125%
HK$147,460
baseline
▲ 0.50% · 4.625%
HK$155,232
+HK$7,772/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$294,920/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,141 · Scale 2, in force from 26 Feb 2026)