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$69,878
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,052
−HK$2,208/mo
Today · 4.125%
HK$74,260
baseline
▲ 0.50% · 4.625%
HK$78,778
+HK$4,518/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,520/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,738
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,823
−HK$2,115/mo
Today · 4.125%
HK$81,938
baseline
▲ 0.50% · 4.625%
HK$86,258
+HK$4,320/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,876/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,854
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,462
−HK$2,650/mo
Today · 4.125%
HK$89,112
baseline
▲ 0.50% · 4.625%
HK$94,534
+HK$5,422/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,224/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,286
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,788
−HK$2,538/mo
Today · 4.125%
HK$98,326
baseline
▲ 0.50% · 4.625%
HK$103,509
+HK$5,183/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,652/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,829
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,872
−HK$3,092/mo
Today · 4.125%
HK$103,964
baseline
▲ 0.50% · 4.625%
HK$110,290
+HK$6,326/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,928/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,834
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,753
−HK$2,961/mo
Today · 4.125%
HK$114,714
baseline
▲ 0.50% · 4.625%
HK$120,761
+HK$6,047/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,428/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,780
−HK$7,888/mo
▼ 0.25% · 3.875%
HK$129,693
−HK$3,975/mo
Today · 4.125%
HK$133,668
baseline
▲ 0.50% · 4.625%
HK$141,801
+HK$8,133/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$267,336/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,929
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$143,682
−HK$3,807/mo
Today · 4.125%
HK$147,489
baseline
▲ 0.50% · 4.625%
HK$155,264
+HK$7,775/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$294,978/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,403 · Scale 2, in force from 26 Feb 2026)