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$69,763
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,933
−HK$2,205/mo
Today · 4.125%
HK$74,138
baseline
▲ 0.50% · 4.625%
HK$78,649
+HK$4,511/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,276/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,611
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,692
−HK$2,112/mo
Today · 4.125%
HK$81,804
baseline
▲ 0.50% · 4.625%
HK$86,116
+HK$4,312/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,608/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,716
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$86,320
−HK$2,645/mo
Today · 4.125%
HK$88,965
baseline
▲ 0.50% · 4.625%
HK$94,379
+HK$5,414/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$177,930/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,133
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$95,631
−HK$2,533/mo
Today · 4.125%
HK$98,164
baseline
▲ 0.50% · 4.625%
HK$103,339
+HK$5,175/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$196,328/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,668
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$100,706
−HK$3,087/mo
Today · 4.125%
HK$103,793
baseline
▲ 0.50% · 4.625%
HK$110,108
+HK$6,315/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$207,586/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,655
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,569
−HK$2,956/mo
Today · 4.125%
HK$114,525
baseline
▲ 0.50% · 4.625%
HK$120,562
+HK$6,037/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$229,050/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,573
−HK$7,875/mo
▼ 0.25% · 3.875%
HK$129,479
−HK$3,969/mo
Today · 4.125%
HK$133,448
baseline
▲ 0.50% · 4.625%
HK$141,568
+HK$8,120/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$266,896/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,699
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$143,446
−HK$3,801/mo
Today · 4.125%
HK$147,247
baseline
▲ 0.50% · 4.625%
HK$155,008
+HK$7,761/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$294,494/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,261 · Scale 2, in force from 26 Feb 2026)