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$69,997
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,174
−HK$2,212/mo
Today · 4.125%
HK$74,386
baseline
▲ 0.50% · 4.625%
HK$78,913
+HK$4,527/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,772/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,871
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,959
−HK$2,119/mo
Today · 4.125%
HK$82,078
baseline
▲ 0.50% · 4.625%
HK$86,405
+HK$4,327/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,156/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,996
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,609
−HK$2,655/mo
Today · 4.125%
HK$89,264
baseline
▲ 0.50% · 4.625%
HK$94,695
+HK$5,431/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$178,528/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,445
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,951
−HK$2,543/mo
Today · 4.125%
HK$98,494
baseline
▲ 0.50% · 4.625%
HK$103,685
+HK$5,191/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$196,988/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,996
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,044
−HK$3,097/mo
Today · 4.125%
HK$104,141
baseline
▲ 0.50% · 4.625%
HK$110,478
+HK$6,337/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$208,282/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,019
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$111,943
−HK$2,966/mo
Today · 4.125%
HK$114,909
baseline
▲ 0.50% · 4.625%
HK$120,966
+HK$6,057/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$229,818/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,995
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$129,914
−HK$3,982/mo
Today · 4.125%
HK$133,896
baseline
▲ 0.50% · 4.625%
HK$142,043
+HK$8,147/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$267,792/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,168
−HK$7,573/mo
▼ 0.25% · 3.875%
HK$143,927
−HK$3,814/mo
Today · 4.125%
HK$147,741
baseline
▲ 0.50% · 4.625%
HK$155,528
+HK$7,787/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$295,482/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,622 · Scale 2, in force from 26 Feb 2026)