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$69,648
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,814
−HK$2,201/mo
Today · 4.125%
HK$74,015
baseline
▲ 0.50% · 4.625%
HK$78,519
+HK$4,504/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$148,030/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,482
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,560
−HK$2,108/mo
Today · 4.125%
HK$81,668
baseline
▲ 0.50% · 4.625%
HK$85,973
+HK$4,305/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,336/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,577
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$86,177
−HK$2,641/mo
Today · 4.125%
HK$88,818
baseline
▲ 0.50% · 4.625%
HK$94,222
+HK$5,404/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$177,636/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,979
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,472
−HK$2,530/mo
Today · 4.125%
HK$98,002
baseline
▲ 0.50% · 4.625%
HK$103,168
+HK$5,166/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$196,004/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,507
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,540
−HK$3,081/mo
Today · 4.125%
HK$103,621
baseline
▲ 0.50% · 4.625%
HK$109,926
+HK$6,305/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$207,242/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,475
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$111,384
−HK$2,952/mo
Today · 4.125%
HK$114,336
baseline
▲ 0.50% · 4.625%
HK$120,362
+HK$6,026/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$228,672/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,366
−HK$7,861/mo
▼ 0.25% · 3.875%
HK$129,265
−HK$3,962/mo
Today · 4.125%
HK$133,227
baseline
▲ 0.50% · 4.625%
HK$141,334
+HK$8,107/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$266,454/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,468
−HK$7,535/mo
▼ 0.25% · 3.875%
HK$143,208
−HK$3,795/mo
Today · 4.125%
HK$147,003
baseline
▲ 0.50% · 4.625%
HK$154,752
+HK$7,749/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$294,006/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,108 · Scale 2, in force from 26 Feb 2026)